Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,234Cash toward the purchase price.
Closing costs + prepaids$12,867Not just lender fees.
Before credits & paid funds$23,101The complete starting cash picture.
Estimated remaining funds due at closing
$23,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,234.49
Your down payment$10,234.49
Closing costs + prepaids$12,866.89
Total buyer cash needed$23,101.38
Remaining funds due$23,101.38
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%)$1,443.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Initial HOA (3 months)$1,185.00
Prepaid interest, first (28 days)$1,467.56
Fees + prepaids$12,866.89
Your down payment is the seller’s equity. You take over the $288,766 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $23,101.38 is due at closing. Uses and sources reconcile at $311,866.89 each. Not a Closing Disclosure.