Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$23,515Cash toward the purchase price.
Closing costs + prepaids$10,888Not just lender fees.
Before credits & paid funds$34,403The complete starting cash picture.
Estimated remaining funds due at closing
$34,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,515.11
Your down payment$23,515.11
Closing costs + prepaids$10,888.34
Total buyer cash needed$34,403.45
Remaining funds due$34,403.45
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%)$3,085.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,424.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.75
Initial HOA (3 months)$111.00
Prepaid interest, first (17 days)$663.66
Fees + prepaids$10,888.34
Your down payment is the seller’s equity. You take over the $284,985 balance, so the rest of the $308,500 price is paid at closing. A second mortgage can cover part of it. $34,403.45 is due at closing. Uses and sources reconcile at $319,388.34 each. Not a Closing Disclosure.