Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$38,380Cash toward the purchase price.
Closing costs + prepaids$11,302Not just lender fees.
Before credits & paid funds$49,681The complete starting cash picture.
Estimated remaining funds due at closing
$49,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,379.55
Your down payment$38,379.55
Closing costs + prepaids$11,301.63
Total buyer cash needed$49,681.17
Remaining funds due$49,681.17
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,303.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$765.75
Prepaid interest, first (26 days)$1,024.77
Fees + prepaids$11,301.63
Your down payment is the seller’s equity. You take over the $260,620 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $49,681.17 is due at closing. Uses and sources reconcile at $310,301.63 each. Not a Closing Disclosure.