Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$23,532Cash toward the purchase price.
Closing costs + prepaids$11,073Not just lender fees.
Before credits & paid funds$34,605The complete starting cash picture.
Estimated remaining funds due at closing
$34,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,531.54
Your down payment$23,531.54
Closing costs + prepaids$11,073.19
Total buyer cash needed$34,604.73
Remaining funds due$34,604.73
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%)$2,935.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,349.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$185.00
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$1,085.35
Fees + prepaids$11,073.19
Your down payment is the seller’s equity. You take over the $269,968 balance, so the rest of the $293,500 price is paid at closing. A second mortgage can cover part of it. $34,604.73 is due at closing. Uses and sources reconcile at $304,573.19 each. Not a Closing Disclosure.