Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$21,537Cash toward the purchase price.
Closing costs + prepaids$12,446Not just lender fees.
Before credits & paid funds$33,983The complete starting cash picture.
Estimated remaining funds due at closing
$33,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,537.08
Your down payment$21,537.08
Closing costs + prepaids$12,445.90
Total buyer cash needed$33,982.99
Remaining funds due$33,982.99
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%)$3,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,454.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,416.00
Prepaid interest, first (24 days)$1,232.09
Fees + prepaids$12,445.90
Your down payment is the seller’s equity. You take over the $290,963 balance, so the rest of the $312,500 price is paid at closing. A second mortgage can cover part of it. $33,982.99 is due at closing. Uses and sources reconcile at $324,945.90 each. Not a Closing Disclosure.