Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,277Cash toward the purchase price.
Closing costs + prepaids$12,355Not just lender fees.
Before credits & paid funds$34,632The complete starting cash picture.
Estimated remaining funds due at closing
$34,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,277.49
Your down payment$22,277.49
Closing costs + prepaids$12,354.99
Total buyer cash needed$34,632.48
Remaining funds due$34,632.48
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,463.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$262.00
Initial HOA (3 months)$1,299.00
Prepaid interest, first (30 days)$962.38
Fees + prepaids$12,354.99
Your down payment is the seller’s equity. You take over the $292,723 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $34,632.48 is due at closing. Uses and sources reconcile at $327,354.99 each. Not a Closing Disclosure.