Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$19,153Cash toward the purchase price.
Closing costs + prepaids$12,034Not just lender fees.
Before credits & paid funds$31,188The complete starting cash picture.
Estimated remaining funds due at closing
$31,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,153.48
Your down payment$19,153.48
Closing costs + prepaids$12,034.43
Total buyer cash needed$31,187.91
Remaining funds due$31,187.91
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%)$1,454.23
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)$585.20
Fees + prepaids$12,034.43
Your down payment is the seller’s equity. You take over the $290,847 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $31,187.91 is due at closing. Uses and sources reconcile at $322,034.43 each. Not a Closing Disclosure.