Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$15,944Cash toward the purchase price.
Closing costs + prepaids$11,349Not just lender fees.
Before credits & paid funds$27,293The complete starting cash picture.
Estimated remaining funds due at closing
$27,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,943.63
Your down payment$15,943.63
Closing costs + prepaids$11,349.09
Total buyer cash needed$27,292.72
Remaining funds due$27,292.72
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,470.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$178.75
Initial HOA (3 months)$75.00
Prepaid interest, first (24 days)$1,307.06
Fees + prepaids$11,349.09
Your down payment is the seller’s equity. You take over the $294,056 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $27,292.72 is due at closing. Uses and sources reconcile at $321,349.09 each. Not a Closing Disclosure.