Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$22,452Cash toward the purchase price.
Closing costs + prepaids$11,433Not just lender fees.
Before credits & paid funds$33,885The complete starting cash picture.
Estimated remaining funds due at closing
$33,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,452.19
Your down payment$22,452.19
Closing costs + prepaids$11,432.96
Total buyer cash needed$33,885.16
Remaining funds due$33,885.16
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%)$3,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,472.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$798.25
Prepaid interest, first (23 days)$773.97
Fees + prepaids$11,432.96
Your down payment is the seller’s equity. You take over the $294,548 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $33,885.16 is due at closing. Uses and sources reconcile at $328,432.96 each. Not a Closing Disclosure.