Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$21,230Cash toward the purchase price.
Closing costs + prepaids$12,009Not just lender fees.
Before credits & paid funds$33,239The complete starting cash picture.
Estimated remaining funds due at closing
$33,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,229.90
Your down payment$21,229.90
Closing costs + prepaids$12,008.83
Total buyer cash needed$33,238.73
Remaining funds due$33,238.73
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%)$3,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,433.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$969.00
Initial HOA (3 months)$81.00
Prepaid interest, first (23 days)$1,226.98
Fees + prepaids$12,008.83
Your down payment is the seller’s equity. You take over the $286,770 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $33,238.73 is due at closing. Uses and sources reconcile at $320,008.83 each. Not a Closing Disclosure.