Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$22,753Cash toward the purchase price.
Closing costs + prepaids$11,284Not just lender fees.
Before credits & paid funds$34,037The complete starting cash picture.
Estimated remaining funds due at closing
$34,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,752.51
Your down payment$22,752.51
Closing costs + prepaids$11,284.38
Total buyer cash needed$34,036.90
Remaining funds due$34,036.90
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%)$3,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,421.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$383.75
Initial HOA (3 months)$480.00
Prepaid interest, first (15 days)$711.40
Fees + prepaids$11,284.38
Your down payment is the seller’s equity. You take over the $284,247 balance, so the rest of the $307,000 price is paid at closing. A second mortgage can cover part of it. $34,036.90 is due at closing. Uses and sources reconcile at $318,284.38 each. Not a Closing Disclosure.