Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,081Cash toward the purchase price.
Closing costs + prepaids$13,317Not just lender fees.
Before credits & paid funds$34,398The complete starting cash picture.
Estimated remaining funds due at closing
$34,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,081.19
Your down payment$21,081.19
Closing costs + prepaids$13,316.73
Total buyer cash needed$34,397.92
Remaining funds due$34,397.92
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%)$3,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,419.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$803.00
Initial HOA (3 months)$1,215.00
Prepaid interest, first (31 days)$1,612.64
Fees + prepaids$13,316.73
Your down payment is the seller’s equity. You take over the $283,819 balance, so the rest of the $304,900 price is paid at closing. A second mortgage can cover part of it. $34,397.92 is due at closing. Uses and sources reconcile at $318,216.73 each. Not a Closing Disclosure.