Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$5,892Cash toward the purchase price.
Closing costs + prepaids$11,677Not just lender fees.
Before credits & paid funds$17,569The complete starting cash picture.
Estimated remaining funds due at closing
$17,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,892.16
Your down payment$5,892.16
Closing costs + prepaids$11,676.58
Total buyer cash needed$17,568.74
Remaining funds due$17,568.74
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%)$1,465.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$526.50
Prepaid interest, first (27 days)$1,476.54
Fees + prepaids$11,676.58
Your down payment is the seller’s equity. You take over the $293,108 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $17,568.74 is due at closing. Uses and sources reconcile at $310,676.58 each. Not a Closing Disclosure.