Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,950Cash toward the purchase price.
Closing costs + prepaids$11,006Not just lender fees.
Before credits & paid funds$40,956The complete starting cash picture.
Estimated remaining funds due at closing
$40,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,950.06
Your down payment$29,950.06
Closing costs + prepaids$11,005.99
Total buyer cash needed$40,956.05
Remaining funds due$40,956.05
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,349.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (28 days)$1,439.24
Fees + prepaids$11,005.99
Your down payment is the seller’s equity. You take over the $269,950 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $40,956.05 is due at closing. Uses and sources reconcile at $310,905.99 each. Not a Closing Disclosure.