Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,677Cash toward the purchase price.
Closing costs + prepaids$12,192Not just lender fees.
Before credits & paid funds$34,868The complete starting cash picture.
Estimated remaining funds due at closing
$34,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,676.51
Your down payment$22,676.51
Closing costs + prepaids$12,191.81
Total buyer cash needed$34,868.32
Remaining funds due$34,868.32
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%)$1,386.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$326.50
Initial HOA (3 months)$960.00
Prepaid interest, first (27 days)$1,302.19
Fees + prepaids$12,191.81
Your down payment is the seller’s equity. You take over the $277,223 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $34,868.32 is due at closing. Uses and sources reconcile at $312,091.81 each. Not a Closing Disclosure.