Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$7,856Cash toward the purchase price.
Closing costs + prepaids$10,896Not just lender fees.
Before credits & paid funds$18,752The complete starting cash picture.
Estimated remaining funds due at closing
$18,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,856.07
Your down payment$7,856.07
Closing costs + prepaids$10,895.50
Total buyer cash needed$18,751.58
Remaining funds due$18,751.58
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%)$1,460.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$258.25
Prepaid interest, first (24 days)$958.55
Fees + prepaids$10,895.50
Your down payment is the seller’s equity. You take over the $292,143 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $18,751.58 is due at closing. Uses and sources reconcile at $310,894.50 each. Not a Closing Disclosure.