Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$17,242Cash toward the purchase price.
Closing costs + prepaids$12,084Not just lender fees.
Before credits & paid funds$29,326The complete starting cash picture.
Estimated remaining funds due at closing
$29,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,242.11
Your down payment$17,242.11
Closing costs + prepaids$12,083.92
Total buyer cash needed$29,326.03
Remaining funds due$29,326.03
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,463.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$925.75
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$1,227.88
Fees + prepaids$12,083.92
Your down payment is the seller’s equity. You take over the $292,658 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $29,326.03 is due at closing. Uses and sources reconcile at $321,983.92 each. Not a Closing Disclosure.