Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$2,105Cash toward the purchase price.
Closing costs + prepaids$13,128Not just lender fees.
Before credits & paid funds$15,233The complete starting cash picture.
Estimated remaining funds due at closing
$15,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,105.26
Your down payment$2,105.26
Closing costs + prepaids$13,127.69
Total buyer cash needed$15,232.95
Remaining funds due$15,232.95
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%)$1,484.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,277.25
Initial HOA (3 months)$891.00
Prepaid interest, first (24 days)$1,266.97
Fees + prepaids$13,127.69
Your down payment is the seller’s equity. You take over the $296,895 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $15,232.95 is due at closing. Uses and sources reconcile at $312,127.69 each. Not a Closing Disclosure.