Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$144Cash toward the purchase price.
Closing costs + prepaids$10,518Not just lender fees.
Before credits & paid funds$10,663The complete starting cash picture.
Estimated remaining funds due at closing
$10,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144.45
Your down payment$144.45
Closing costs + prepaids$10,518.29
Total buyer cash needed$10,662.74
Remaining funds due$10,662.74
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%)$2,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,498.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$749.50
Prepaid interest, first (1 days)$54.51
Fees + prepaids$10,518.29
Your down payment is the seller’s equity. You take over the $299,656 balance, so the rest of the $299,800 price is paid at closing. A second mortgage can cover part of it. $10,662.74 is due at closing. Uses and sources reconcile at $310,318.29 each. Not a Closing Disclosure.