Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$23,221Cash toward the purchase price.
Closing costs + prepaids$10,505Not just lender fees.
Before credits & paid funds$33,726The complete starting cash picture.
Estimated remaining funds due at closing
$33,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,221.14
Your down payment$23,221.14
Closing costs + prepaids$10,504.95
Total buyer cash needed$33,726.09
Remaining funds due$33,726.09
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,383.39
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 (14 days)$529.56
Fees + prepaids$10,504.95
Your down payment is the seller’s equity. You take over the $276,679 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $33,726.09 is due at closing. Uses and sources reconcile at $310,404.95 each. Not a Closing Disclosure.