Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,526Cash toward the purchase price.
Closing costs + prepaids$12,189Not just lender fees.
Before credits & paid funds$29,715The complete starting cash picture.
Estimated remaining funds due at closing
$29,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,525.92
Your down payment$17,525.92
Closing costs + prepaids$12,189.44
Total buyer cash needed$29,715.35
Remaining funds due$29,715.35
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%)$1,412.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,361.25
Initial HOA (3 months)$1,152.00
Prepaid interest, first (2 days)$45.81
Fees + prepaids$12,189.44
Your down payment is the seller’s equity. You take over the $282,474 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $29,715.35 is due at closing. Uses and sources reconcile at $312,189.44 each. Not a Closing Disclosure.