Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$21,425Cash toward the purchase price.
Closing costs + prepaids$12,560Not just lender fees.
Before credits & paid funds$33,985The complete starting cash picture.
Estimated remaining funds due at closing
$33,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,425.31
Your down payment$21,425.31
Closing costs + prepaids$12,560.05
Total buyer cash needed$33,985.36
Remaining funds due$33,985.36
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,387.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,857.00
Prepaid interest, first (23 days)$1,107.18
Fees + prepaids$12,560.05
Your down payment is the seller’s equity. You take over the $277,575 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $33,985.36 is due at closing. Uses and sources reconcile at $311,560.05 each. Not a Closing Disclosure.