Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$7,937Cash toward the purchase price.
Closing costs + prepaids$11,398Not just lender fees.
Before credits & paid funds$19,335The complete starting cash picture.
Estimated remaining funds due at closing
$19,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,937.32
Your down payment$7,937.32
Closing costs + prepaids$11,397.73
Total buyer cash needed$19,335.05
Remaining funds due$19,335.05
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,460.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$22.75
Prepaid interest, first (31 days)$1,696.68
Fees + prepaids$11,397.73
Your down payment is the seller’s equity. You take over the $292,062 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $19,335.05 is due at closing. Uses and sources reconcile at $311,396.73 each. Not a Closing Disclosure.