Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,323Cash toward the purchase price.
Closing costs + prepaids$11,239Not just lender fees.
Before credits & paid funds$38,562The complete starting cash picture.
Estimated remaining funds due at closing
$38,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,322.90
Your down payment$27,322.90
Closing costs + prepaids$11,239.34
Total buyer cash needed$38,562.24
Remaining funds due$38,562.24
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%)$1,388.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$433.75
Prepaid interest, first (26 days)$1,149.20
Fees + prepaids$11,239.34
Your down payment is the seller’s equity. You take over the $277,677 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $38,562.24 is due at closing. Uses and sources reconcile at $316,239.34 each. Not a Closing Disclosure.