Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$18,677Cash toward the purchase price.
Closing costs + prepaids$12,074Not just lender fees.
Before credits & paid funds$30,752The complete starting cash picture.
Estimated remaining funds due at closing
$30,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,677.47
Your down payment$18,677.47
Closing costs + prepaids$12,074.16
Total buyer cash needed$30,751.64
Remaining funds due$30,751.64
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,456.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$372.00
Initial HOA (3 months)$1,305.00
Prepaid interest, first (12 days)$622.55
Fees + prepaids$12,074.16
Your down payment is the seller’s equity. You take over the $291,323 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $30,751.64 is due at closing. Uses and sources reconcile at $322,074.16 each. Not a Closing Disclosure.