Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$25,465Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$36,206The complete starting cash picture.
Estimated remaining funds due at closing
$36,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,464.77
Your down payment$25,464.77
Closing costs + prepaids$10,741.61
Total buyer cash needed$36,206.39
Remaining funds due$36,206.39
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%)$3,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,412.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.00
Initial HOA (3 months)$90.00
Prepaid interest, first (14 days)$555.94
Fees + prepaids$10,741.61
Your down payment is the seller’s equity. You take over the $282,535 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $36,206.39 is due at closing. Uses and sources reconcile at $318,741.61 each. Not a Closing Disclosure.