Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,129Cash toward the purchase price.
Closing costs + prepaids$14,011Not just lender fees.
Before credits & paid funds$36,141The complete starting cash picture.
Estimated remaining funds due at closing
$36,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,129.28
Your down payment$22,129.28
Closing costs + prepaids$14,011.33
Total buyer cash needed$36,140.62
Remaining funds due$36,140.62
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%)$1,388.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$902.50
Initial HOA (3 months)$2,019.00
Prepaid interest, first (30 days)$1,483.98
Fees + prepaids$14,011.33
Your down payment is the seller’s equity. You take over the $277,771 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $36,140.62 is due at closing. Uses and sources reconcile at $313,911.33 each. Not a Closing Disclosure.