Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,476Cash toward the purchase price.
Closing costs + prepaids$12,403Not just lender fees.
Before credits & paid funds$32,879The complete starting cash picture.
Estimated remaining funds due at closing
$32,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,476.34
Your down payment$20,476.34
Closing costs + prepaids$12,402.64
Total buyer cash needed$32,878.98
Remaining funds due$32,878.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,447.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,461.50
Prepaid interest, first (26 days)$1,175.54
Fees + prepaids$12,402.64
Your down payment is the seller’s equity. You take over the $289,523 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $32,878.98 is due at closing. Uses and sources reconcile at $322,401.64 each. Not a Closing Disclosure.