Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$9,214Cash toward the purchase price.
Closing costs + prepaids$13,668Not just lender fees.
Before credits & paid funds$22,882The complete starting cash picture.
Estimated remaining funds due at closing
$22,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,213.94
Your down payment$9,213.94
Closing costs + prepaids$13,668.41
Total buyer cash needed$22,882.36
Remaining funds due$22,882.36
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%)$2,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,067.25
Initial HOA (3 months)$1,734.00
Prepaid interest, first (22 days)$1,195.31
Fees + prepaids$13,668.41
Your down payment is the seller’s equity. You take over the $290,781 balance, so the rest of the $299,995 price is paid at closing. A second mortgage can cover part of it. $22,882.36 is due at closing. Uses and sources reconcile at $313,663.41 each. Not a Closing Disclosure.