Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,695Cash toward the purchase price.
Closing costs + prepaids$11,017Not just lender fees.
Before credits & paid funds$51,712The complete starting cash picture.
Estimated remaining funds due at closing
$51,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,694.86
Your down payment$40,694.86
Closing costs + prepaids$11,017.13
Total buyer cash needed$51,711.99
Remaining funds due$51,711.99
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%)$1,291.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$215.75
Prepaid interest, first (28 days)$1,301.86
Fees + prepaids$11,017.13
Your down payment is the seller’s equity. You take over the $258,305 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $51,711.99 is due at closing. Uses and sources reconcile at $310,017.13 each. Not a Closing Disclosure.