Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,719Cash toward the purchase price.
Closing costs + prepaids$11,825Not just lender fees.
Before credits & paid funds$35,545The complete starting cash picture.
Estimated remaining funds due at closing
$35,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,719.48
Your down payment$23,719.48
Closing costs + prepaids$11,825.45
Total buyer cash needed$35,544.93
Remaining funds due$35,544.93
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,380.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$958.25
Prepaid interest, first (25 days)$1,269.30
Fees + prepaids$11,825.45
Your down payment is the seller’s equity. You take over the $276,181 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $35,544.93 is due at closing. Uses and sources reconcile at $311,725.45 each. Not a Closing Disclosure.