Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$9,214Cash toward the purchase price.
Closing costs + prepaids$14,049Not just lender fees.
Before credits & paid funds$23,263The complete starting cash picture.
Estimated remaining funds due at closing
$23,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,213.94
Your down payment$9,213.94
Closing costs + prepaids$14,048.74
Total buyer cash needed$23,262.68
Remaining funds due$23,262.68
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%)$2,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,067.25
Initial HOA (3 months)$1,734.00
Prepaid interest, first (29 days)$1,575.64
Fees + prepaids$14,048.74
Your down payment is the seller’s equity. You take over the $290,781 balance, so the rest of the $299,995 price is paid at closing. A second mortgage can cover part of it. $23,262.68 is due at closing. Uses and sources reconcile at $314,043.74 each. Not a Closing Disclosure.