Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,996Cash toward the purchase price.
Closing costs + prepaids$12,507Not just lender fees.
Before credits & paid funds$34,503The complete starting cash picture.
Estimated remaining funds due at closing
$34,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,995.59
Your down payment$21,995.59
Closing costs + prepaids$12,507.44
Total buyer cash needed$34,503.03
Remaining funds due$34,503.03
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,439.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,280.00
Prepaid interest, first (28 days)$1,470.92
Fees + prepaids$12,507.44
Your down payment is the seller’s equity. You take over the $287,904 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $34,503.03 is due at closing. Uses and sources reconcile at $322,407.44 each. Not a Closing Disclosure.