Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$22,746Cash toward the purchase price.
Closing costs + prepaids$11,201Not just lender fees.
Before credits & paid funds$33,947The complete starting cash picture.
Estimated remaining funds due at closing
$33,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,745.51
Your down payment$22,745.51
Closing costs + prepaids$11,201.30
Total buyer cash needed$33,946.81
Remaining funds due$33,946.81
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,310.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$922.00
Prepaid interest, first (24 days)$901.52
Fees + prepaids$11,201.30
Your down payment is the seller’s equity. You take over the $262,154 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $33,946.81 is due at closing. Uses and sources reconcile at $296,101.30 each. Not a Closing Disclosure.