Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$10,913Cash toward the purchase price.
Closing costs + prepaids$10,596Not just lender fees.
Before credits & paid funds$21,509The complete starting cash picture.
Estimated remaining funds due at closing
$21,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,913.23
Your down payment$10,913.23
Closing costs + prepaids$10,595.79
Total buyer cash needed$21,509.01
Remaining funds due$21,509.01
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,444.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$337.00
Initial HOA (3 months)$68.76
Prepaid interest, first (23 days)$528.09
Fees + prepaids$10,595.79
Your down payment is the seller’s equity. You take over the $288,987 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $21,509.01 is due at closing. Uses and sources reconcile at $310,495.79 each. Not a Closing Disclosure.