Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$467Cash toward the purchase price.
Closing costs + prepaids$11,715Not just lender fees.
Before credits & paid funds$12,181The complete starting cash picture.
Estimated remaining funds due at closing
$12,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$466.80
Your down payment$466.80
Closing costs + prepaids$11,714.61
Total buyer cash needed$12,181.41
Remaining funds due$12,181.41
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%)$1,496.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$749.50
Prepaid interest, first (23 days)$1,252.44
Fees + prepaids$11,714.61
Your down payment is the seller’s equity. You take over the $299,333 balance, so the rest of the $299,800 price is paid at closing. A second mortgage can cover part of it. $12,181.41 is due at closing. Uses and sources reconcile at $311,514.61 each. Not a Closing Disclosure.