Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,776Cash toward the purchase price.
Closing costs + prepaids$11,221Not just lender fees.
Before credits & paid funds$36,997The complete starting cash picture.
Estimated remaining funds due at closing
$36,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,776.03
Your down payment$25,776.03
Closing costs + prepaids$11,221.39
Total buyer cash needed$36,997.42
Remaining funds due$36,997.42
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%)$2,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,361.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$284.00
Prepaid interest, first (28 days)$1,378.27
Fees + prepaids$11,221.39
Your down payment is the seller’s equity. You take over the $272,224 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $36,997.42 is due at closing. Uses and sources reconcile at $309,221.39 each. Not a Closing Disclosure.