Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$16,251Cash toward the purchase price.
Closing costs + prepaids$10,359Not just lender fees.
Before credits & paid funds$26,610The complete starting cash picture.
Estimated remaining funds due at closing
$26,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,251.50
Your down payment$16,251.50
Closing costs + prepaids$10,358.93
Total buyer cash needed$26,610.43
Remaining funds due$26,610.43
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%)$2,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,408.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$49.75
Prepaid interest, first (26 days)$702.44
Fees + prepaids$10,358.93
Your down payment is the seller’s equity. You take over the $281,749 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $26,610.43 is due at closing. Uses and sources reconcile at $308,358.93 each. Not a Closing Disclosure.