Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$17,605Cash toward the purchase price.
Closing costs + prepaids$11,447Not just lender fees.
Before credits & paid funds$29,052The complete starting cash picture.
Estimated remaining funds due at closing
$29,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,605.11
Your down payment$17,605.11
Closing costs + prepaids$11,447.26
Total buyer cash needed$29,052.37
Remaining funds due$29,052.37
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,411.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$598.75
Prepaid interest, first (25 days)$1,218.55
Fees + prepaids$11,447.26
Your down payment is the seller’s equity. You take over the $282,394 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $29,052.37 is due at closing. Uses and sources reconcile at $311,446.26 each. Not a Closing Disclosure.