Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$12,152Cash toward the purchase price.
Closing costs + prepaids$10,790Not just lender fees.
Before credits & paid funds$22,942The complete starting cash picture.
Estimated remaining funds due at closing
$22,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,151.94
Your down payment$12,151.94
Closing costs + prepaids$10,790.45
Total buyer cash needed$22,942.39
Remaining funds due$22,942.39
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%)$1,464.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.25
Prepaid interest, first (15 days)$676.96
Fees + prepaids$10,790.45
Your down payment is the seller’s equity. You take over the $292,848 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $22,942.39 is due at closing. Uses and sources reconcile at $315,790.45 each. Not a Closing Disclosure.