Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$12,886Cash toward the purchase price.
Closing costs + prepaids$11,852Not just lender fees.
Before credits & paid funds$24,738The complete starting cash picture.
Estimated remaining funds due at closing
$24,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,886.37
Your down payment$12,886.37
Closing costs + prepaids$11,851.55
Total buyer cash needed$24,737.91
Remaining funds due$24,737.91
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%)$1,435.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$387.75
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$1,675.24
Fees + prepaids$11,851.55
Your down payment is the seller’s equity. You take over the $287,113 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $24,737.91 is due at closing. Uses and sources reconcile at $311,850.55 each. Not a Closing Disclosure.