Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$32,943Cash toward the purchase price.
Closing costs + prepaids$12,019Not just lender fees.
Before credits & paid funds$44,962The complete starting cash picture.
Estimated remaining funds due at closing
$44,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,943.13
Your down payment$32,943.13
Closing costs + prepaids$12,018.63
Total buyer cash needed$44,961.76
Remaining funds due$44,961.76
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,334.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$864.00
Initial HOA (3 months)$192.00
Prepaid interest, first (30 days)$1,410.85
Fees + prepaids$12,018.63
Your down payment is the seller’s equity. You take over the $266,957 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $44,961.76 is due at closing. Uses and sources reconcile at $311,918.63 each. Not a Closing Disclosure.