Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$17,825Cash toward the purchase price.
Closing costs + prepaids$11,805Not just lender fees.
Before credits & paid funds$29,630The complete starting cash picture.
Estimated remaining funds due at closing
$29,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,824.83
Your down payment$17,824.83
Closing costs + prepaids$11,804.78
Total buyer cash needed$29,629.62
Remaining funds due$29,629.62
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,405.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.50
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$1,393.40
Fees + prepaids$11,804.78
Your down payment is the seller’s equity. You take over the $281,175 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $29,629.62 is due at closing. Uses and sources reconcile at $310,804.78 each. Not a Closing Disclosure.