Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$26,357Cash toward the purchase price.
Closing costs + prepaids$11,577Not just lender fees.
Before credits & paid funds$37,934The complete starting cash picture.
Estimated remaining funds due at closing
$37,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,357.13
Your down payment$26,357.13
Closing costs + prepaids$11,577.17
Total buyer cash needed$37,934.30
Remaining funds due$37,934.30
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%)$1,363.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$961.75
Initial HOA (3 months)$8.01
Prepaid interest, first (24 days)$1,036.19
Fees + prepaids$11,577.17
Your down payment is the seller’s equity. You take over the $272,643 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $37,934.30 is due at closing. Uses and sources reconcile at $310,577.17 each. Not a Closing Disclosure.