Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,501Cash toward the purchase price.
Closing costs + prepaids$12,226Not just lender fees.
Before credits & paid funds$33,727The complete starting cash picture.
Estimated remaining funds due at closing
$33,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,501.00
Your down payment$21,501.00
Closing costs + prepaids$12,225.96
Total buyer cash needed$33,726.96
Remaining funds due$33,726.96
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%)$1,392.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$658.00
Initial HOA (3 months)$420.00
Prepaid interest, first (31 days)$1,537.47
Fees + prepaids$12,225.96
Your down payment is the seller’s equity. You take over the $278,499 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $33,726.96 is due at closing. Uses and sources reconcile at $312,225.96 each. Not a Closing Disclosure.