Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,624Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$36,910The complete starting cash picture.
Estimated remaining funds due at closing
$36,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,624.47
Your down payment$24,624.47
Closing costs + prepaids$12,285.97
Total buyer cash needed$36,910.44
Remaining funds due$36,910.44
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,476.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.00
Prepaid interest, first (25 days)$1,405.59
Fees + prepaids$12,285.97
Your down payment is the seller’s equity. You take over the $295,276 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $36,910.44 is due at closing. Uses and sources reconcile at $332,185.97 each. Not a Closing Disclosure.