Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,046Cash toward the purchase price.
Closing costs + prepaids$10,085Not just lender fees.
Before credits & paid funds$37,131The complete starting cash picture.
Estimated remaining funds due at closing
$37,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,045.80
Your down payment$27,045.80
Closing costs + prepaids$10,084.98
Total buyer cash needed$37,130.78
Remaining funds due$37,130.78
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%)$1,359.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.00
Prepaid interest, first (1 days)$29.21
Fees + prepaids$10,084.98
Your down payment is the seller’s equity. You take over the $271,954 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $37,130.78 is due at closing. Uses and sources reconcile at $309,084.98 each. Not a Closing Disclosure.