Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,388Cash toward the purchase price.
Closing costs + prepaids$9,900Not just lender fees.
Before credits & paid funds$34,288The complete starting cash picture.
Estimated remaining funds due at closing
$34,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,387.57
Your down payment$24,387.57
Closing costs + prepaids$9,900.14
Total buyer cash needed$34,287.71
Remaining funds due$34,287.71
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,378.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$255.00
Prepaid interest, first (1 days)$49.08
Fees + prepaids$9,900.14
Your down payment is the seller’s equity. You take over the $275,612 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $34,287.71 is due at closing. Uses and sources reconcile at $309,900.14 each. Not a Closing Disclosure.