Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$16,706Cash toward the purchase price.
Closing costs + prepaids$12,035Not just lender fees.
Before credits & paid funds$28,742The complete starting cash picture.
Estimated remaining funds due at closing
$28,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,706.26
Your down payment$16,706.26
Closing costs + prepaids$12,035.29
Total buyer cash needed$28,741.55
Remaining funds due$28,741.55
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%)$1,415.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$636.25
Initial HOA (3 months)$675.00
Prepaid interest, first (25 days)$1,091.07
Fees + prepaids$12,035.29
Your down payment is the seller’s equity. You take over the $283,194 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $28,741.55 is due at closing. Uses and sources reconcile at $311,935.29 each. Not a Closing Disclosure.