Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,021Cash toward the purchase price.
Closing costs + prepaids$11,025Not just lender fees.
Before credits & paid funds$34,046The complete starting cash picture.
Estimated remaining funds due at closing
$34,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,020.95
Your down payment$23,020.95
Closing costs + prepaids$11,024.88
Total buyer cash needed$34,045.83
Remaining funds due$34,045.83
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,384.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$141.50
Prepaid interest, first (26 days)$1,281.99
Fees + prepaids$11,024.88
Your down payment is the seller’s equity. You take over the $276,879 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $34,045.83 is due at closing. Uses and sources reconcile at $310,924.88 each. Not a Closing Disclosure.