Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,715Cash toward the purchase price.
Closing costs + prepaids$11,515Not just lender fees.
Before credits & paid funds$32,230The complete starting cash picture.
Estimated remaining funds due at closing
$32,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,714.82
Your down payment$20,714.82
Closing costs + prepaids$11,515.50
Total buyer cash needed$32,230.31
Remaining funds due$32,230.31
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,345.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$724.75
Initial HOA (3 months)$149.01
Prepaid interest, first (24 days)$1,178.81
Fees + prepaids$11,515.50
Your down payment is the seller’s equity. You take over the $269,185 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $32,230.31 is due at closing. Uses and sources reconcile at $301,415.50 each. Not a Closing Disclosure.