Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,370Cash toward the purchase price.
Closing costs + prepaids$11,303Not just lender fees.
Before credits & paid funds$33,673The complete starting cash picture.
Estimated remaining funds due at closing
$33,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,369.87
Your down payment$22,369.87
Closing costs + prepaids$11,302.96
Total buyer cash needed$33,672.83
Remaining funds due$33,672.83
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%)$3,162.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,469.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$91.00
Prepaid interest, first (27 days)$1,362.81
Fees + prepaids$11,302.96
Your down payment is the seller’s equity. You take over the $293,830 balance, so the rest of the $316,200 price is paid at closing. A second mortgage can cover part of it. $33,672.83 is due at closing. Uses and sources reconcile at $327,502.96 each. Not a Closing Disclosure.