Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,094Cash toward the purchase price.
Closing costs + prepaids$11,517Not just lender fees.
Before credits & paid funds$39,611The complete starting cash picture.
Estimated remaining funds due at closing
$39,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,094.13
Your down payment$28,094.13
Closing costs + prepaids$11,516.99
Total buyer cash needed$39,611.11
Remaining funds due$39,611.11
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,359.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.25
Initial HOA (3 months)$105.00
Prepaid interest, first (26 days)$1,466.21
Fees + prepaids$11,516.99
Your down payment is the seller’s equity. You take over the $271,906 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $39,611.11 is due at closing. Uses and sources reconcile at $311,516.99 each. Not a Closing Disclosure.