Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$13,867Cash toward the purchase price.
Closing costs + prepaids$10,949Not just lender fees.
Before credits & paid funds$24,817The complete starting cash picture.
Estimated remaining funds due at closing
$24,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,867.49
Your down payment$13,867.49
Closing costs + prepaids$10,949.47
Total buyer cash needed$24,816.96
Remaining funds due$24,816.96
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%)$2,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,429.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$222.75
Prepaid interest, first (25 days)$1,081.06
Fees + prepaids$10,949.47
Your down payment is the seller’s equity. You take over the $285,933 balance, so the rest of the $299,800 price is paid at closing. A second mortgage can cover part of it. $24,816.96 is due at closing. Uses and sources reconcile at $310,749.47 each. Not a Closing Disclosure.