Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$31,600Cash toward the purchase price.
Closing costs + prepaids$11,408Not just lender fees.
Before credits & paid funds$43,009The complete starting cash picture.
Estimated remaining funds due at closing
$43,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,600.47
Your down payment$31,600.47
Closing costs + prepaids$11,408.17
Total buyer cash needed$43,008.63
Remaining funds due$43,008.63
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,316.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.00
Initial HOA (3 months)$1,008.00
Prepaid interest, first (12 days)$562.67
Fees + prepaids$11,408.17
Your down payment is the seller’s equity. You take over the $263,300 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $43,008.63 is due at closing. Uses and sources reconcile at $306,308.17 each. Not a Closing Disclosure.