Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,215Cash toward the purchase price.
Closing costs + prepaids$11,095Not just lender fees.
Before credits & paid funds$33,309The complete starting cash picture.
Estimated remaining funds due at closing
$33,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,214.63
Your down payment$22,214.63
Closing costs + prepaids$11,094.54
Total buyer cash needed$33,309.17
Remaining funds due$33,309.17
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,388.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$513.50
Initial HOA (3 months)$297.00
Prepaid interest, first (31 days)$677.11
Fees + prepaids$11,094.54
Your down payment is the seller’s equity. You take over the $277,785 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $33,309.17 is due at closing. Uses and sources reconcile at $311,094.54 each. Not a Closing Disclosure.