Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$22,399Cash toward the purchase price.
Closing costs + prepaids$10,672Not just lender fees.
Before credits & paid funds$33,071The complete starting cash picture.
Estimated remaining funds due at closing
$33,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,399.13
Your down payment$22,399.13
Closing costs + prepaids$10,672.12
Total buyer cash needed$33,071.25
Remaining funds due$33,071.25
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,388.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Prepaid interest, first (13 days)$691.11
Fees + prepaids$10,672.12
Your down payment is the seller’s equity. You take over the $277,601 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $33,071.25 is due at closing. Uses and sources reconcile at $310,672.12 each. Not a Closing Disclosure.