Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$18,172Cash toward the purchase price.
Closing costs + prepaids$12,689Not just lender fees.
Before credits & paid funds$30,861The complete starting cash picture.
Estimated remaining funds due at closing
$30,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,171.91
Your down payment$18,171.91
Closing costs + prepaids$12,688.91
Total buyer cash needed$30,860.82
Remaining funds due$30,860.82
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,409.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,361.25
Initial HOA (3 months)$1,152.00
Prepaid interest, first (24 days)$548.52
Fees + prepaids$12,688.91
Your down payment is the seller’s equity. You take over the $281,828 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $30,860.82 is due at closing. Uses and sources reconcile at $312,688.91 each. Not a Closing Disclosure.