Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,232Cash toward the purchase price.
Closing costs + prepaids$11,486Not just lender fees.
Before credits & paid funds$29,718The complete starting cash picture.
Estimated remaining funds due at closing
$29,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,232.18
Your down payment$18,232.18
Closing costs + prepaids$11,485.55
Total buyer cash needed$29,717.74
Remaining funds due$29,717.74
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%)$3,085.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,451.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$265.00
Initial HOA (3 months)$336.00
Prepaid interest, first (22 days)$1,130.22
Fees + prepaids$11,485.55
Your down payment is the seller’s equity. You take over the $290,268 balance, so the rest of the $308,500 price is paid at closing. A second mortgage can cover part of it. $29,717.74 is due at closing. Uses and sources reconcile at $319,985.55 each. Not a Closing Disclosure.