Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$19,051Cash toward the purchase price.
Closing costs + prepaids$11,746Not just lender fees.
Before credits & paid funds$30,797The complete starting cash picture.
Estimated remaining funds due at closing
$30,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,050.99
Your down payment$19,050.99
Closing costs + prepaids$11,746.27
Total buyer cash needed$30,797.27
Remaining funds due$30,797.27
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%)$1,454.75
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 (6 days)$296.53
Fees + prepaids$11,746.27
Your down payment is the seller’s equity. You take over the $290,949 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $30,797.27 is due at closing. Uses and sources reconcile at $321,746.27 each. Not a Closing Disclosure.