Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,056Cash toward the purchase price.
Closing costs + prepaids$11,411Not just lender fees.
Before credits & paid funds$24,467The complete starting cash picture.
Estimated remaining funds due at closing
$24,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,055.56
Your down payment$13,055.56
Closing costs + prepaids$11,411.37
Total buyer cash needed$24,466.93
Remaining funds due$24,466.93
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%)$1,429.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.00
Prepaid interest, first (30 days)$1,527.65
Fees + prepaids$11,411.37
Your down payment is the seller’s equity. You take over the $285,944 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $24,466.93 is due at closing. Uses and sources reconcile at $310,411.37 each. Not a Closing Disclosure.