Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,986Cash toward the purchase price.
Closing costs + prepaids$12,315Not just lender fees.
Before credits & paid funds$34,301The complete starting cash picture.
Estimated remaining funds due at closing
$34,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,986.38
Your down payment$21,986.38
Closing costs + prepaids$12,314.82
Total buyer cash needed$34,301.20
Remaining funds due$34,301.20
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,415.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,096.50
Prepaid interest, first (30 days)$1,535.25
Fees + prepaids$12,314.82
Your down payment is the seller’s equity. You take over the $283,014 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $34,301.20 is due at closing. Uses and sources reconcile at $317,314.82 each. Not a Closing Disclosure.