Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,854Cash toward the purchase price.
Closing costs + prepaids$11,851Not just lender fees.
Before credits & paid funds$43,705The complete starting cash picture.
Estimated remaining funds due at closing
$43,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,854.18
Your down payment$31,854.18
Closing costs + prepaids$11,851.29
Total buyer cash needed$43,705.47
Remaining funds due$43,705.47
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%)$1,335.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$50.00
Initial HOA (3 months)$540.00
Prepaid interest, first (31 days)$1,717.56
Fees + prepaids$11,851.29
Your down payment is the seller’s equity. You take over the $267,146 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $43,705.47 is due at closing. Uses and sources reconcile at $310,851.29 each. Not a Closing Disclosure.