Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$16,927Cash toward the purchase price.
Closing costs + prepaids$11,631Not just lender fees.
Before credits & paid funds$28,558The complete starting cash picture.
Estimated remaining funds due at closing
$28,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,926.85
Your down payment$16,926.85
Closing costs + prepaids$11,631.25
Total buyer cash needed$28,558.09
Remaining funds due$28,558.09
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%)$1,410.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$578.25
Prepaid interest, first (28 days)$1,434.63
Fees + prepaids$11,631.25
Your down payment is the seller’s equity. You take over the $282,073 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $28,558.09 is due at closing. Uses and sources reconcile at $310,631.25 each. Not a Closing Disclosure.