Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,132Cash toward the purchase price.
Closing costs + prepaids$12,223Not just lender fees.
Before credits & paid funds$37,355The complete starting cash picture.
Estimated remaining funds due at closing
$37,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,131.97
Your down payment$25,131.97
Closing costs + prepaids$12,223.40
Total buyer cash needed$37,355.37
Remaining funds due$37,355.37
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%)$3,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,444.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,135.00
Prepaid interest, first (25 days)$1,286.06
Fees + prepaids$12,223.40
Your down payment is the seller’s equity. You take over the $288,868 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $37,355.37 is due at closing. Uses and sources reconcile at $326,223.40 each. Not a Closing Disclosure.