Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$22,483Cash toward the purchase price.
Closing costs + prepaids$12,508Not just lender fees.
Before credits & paid funds$34,991The complete starting cash picture.
Estimated remaining funds due at closing
$34,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,482.92
Your down payment$22,482.92
Closing costs + prepaids$12,507.96
Total buyer cash needed$34,990.87
Remaining funds due$34,990.87
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,412.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,856.75
Prepaid interest, first (22 days)$970.62
Fees + prepaids$12,507.96
Your down payment is the seller’s equity. You take over the $282,517 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $34,990.87 is due at closing. Uses and sources reconcile at $317,507.96 each. Not a Closing Disclosure.