Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$22,160Cash toward the purchase price.
Closing costs + prepaids$10,750Not just lender fees.
Before credits & paid funds$32,910The complete starting cash picture.
Estimated remaining funds due at closing
$32,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,160.18
Your down payment$22,160.18
Closing costs + prepaids$10,749.76
Total buyer cash needed$32,909.94
Remaining funds due$32,909.94
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%)$1,384.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$358.75
Initial HOA (3 months)$336.00
Prepaid interest, first (9 days)$462.82
Fees + prepaids$10,749.76
Your down payment is the seller’s equity. You take over the $276,840 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $32,909.94 is due at closing. Uses and sources reconcile at $309,749.76 each. Not a Closing Disclosure.