Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$21,627Cash toward the purchase price.
Closing costs + prepaids$10,326Not just lender fees.
Before credits & paid funds$31,953The complete starting cash picture.
Estimated remaining funds due at closing
$31,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,627.17
Your down payment$21,627.17
Closing costs + prepaids$10,326.03
Total buyer cash needed$31,953.20
Remaining funds due$31,953.20
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%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,366.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.75
Prepaid interest, first (15 days)$422.42
Fees + prepaids$10,326.03
Your down payment is the seller’s equity. You take over the $273,373 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $31,953.20 is due at closing. Uses and sources reconcile at $305,326.03 each. Not a Closing Disclosure.