Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$22,951Cash toward the purchase price.
Closing costs + prepaids$10,762Not just lender fees.
Before credits & paid funds$33,712The complete starting cash picture.
Estimated remaining funds due at closing
$33,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,950.60
Your down payment$22,950.60
Closing costs + prepaids$10,761.57
Total buyer cash needed$33,712.17
Remaining funds due$33,712.17
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,380.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.25
Initial HOA (3 months)$810.00
Prepaid interest, first (2 days)$63.08
Fees + prepaids$10,761.57
Your down payment is the seller’s equity. You take over the $276,049 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $33,712.17 is due at closing. Uses and sources reconcile at $309,761.57 each. Not a Closing Disclosure.