Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$13,383Cash toward the purchase price.
Closing costs + prepaids$12,426Not just lender fees.
Before credits & paid funds$25,809The complete starting cash picture.
Estimated remaining funds due at closing
$25,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,383.22
Your down payment$13,383.22
Closing costs + prepaids$12,425.97
Total buyer cash needed$25,809.20
Remaining funds due$25,809.20
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%)$1,433.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,179.00
Initial HOA (3 months)$63.00
Prepaid interest, first (27 days)$1,532.89
Fees + prepaids$12,425.97
Your down payment is the seller’s equity. You take over the $286,617 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $25,809.20 is due at closing. Uses and sources reconcile at $312,425.97 each. Not a Closing Disclosure.