Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,839Cash toward the purchase price.
Closing costs + prepaids$12,013Not just lender fees.
Before credits & paid funds$40,851The complete starting cash picture.
Estimated remaining funds due at closing
$40,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,838.64
Your down payment$28,838.64
Closing costs + prepaids$12,012.79
Total buyer cash needed$40,851.44
Remaining funds due$40,851.44
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%)$1,355.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$666.00
Prepaid interest, first (27 days)$1,022.98
Fees + prepaids$12,012.79
Your down payment is the seller’s equity. You take over the $271,161 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $40,851.44 is due at closing. Uses and sources reconcile at $312,012.79 each. Not a Closing Disclosure.