Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$16,668Cash toward the purchase price.
Closing costs + prepaids$10,428Not just lender fees.
Before credits & paid funds$27,097The complete starting cash picture.
Estimated remaining funds due at closing
$27,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,668.43
Your down payment$16,668.43
Closing costs + prepaids$10,428.22
Total buyer cash needed$27,096.65
Remaining funds due$27,096.65
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%)$3,098.70
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,466.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$371.75
Prepaid interest, first (12 days)$273.76
Fees + prepaids$10,428.22
Your down payment is the seller’s equity. You take over the $293,202 balance, so the rest of the $309,870 price is paid at closing. A second mortgage can cover part of it. $27,096.65 is due at closing. Uses and sources reconcile at $320,298.22 each. Not a Closing Disclosure.