Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$22,220Cash toward the purchase price.
Closing costs + prepaids$11,953Not just lender fees.
Before credits & paid funds$34,173The complete starting cash picture.
Estimated remaining funds due at closing
$34,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,220.42
Your down payment$22,220.42
Closing costs + prepaids$11,952.54
Total buyer cash needed$34,172.97
Remaining funds due$34,172.97
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%)$2,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,378.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$922.25
Prepaid interest, first (28 days)$1,453.40
Fees + prepaids$11,952.54
Your down payment is the seller’s equity. You take over the $275,780 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $34,172.97 is due at closing. Uses and sources reconcile at $309,952.54 each. Not a Closing Disclosure.