Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$4,091Cash toward the purchase price.
Closing costs + prepaids$12,520Not just lender fees.
Before credits & paid funds$16,611The complete starting cash picture.
Estimated remaining funds due at closing
$16,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,091.39
Your down payment$4,091.39
Closing costs + prepaids$12,519.75
Total buyer cash needed$16,611.14
Remaining funds due$16,611.14
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,479.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.00
Initial HOA (3 months)$795.00
Prepaid interest, first (30 days)$1,622.22
Fees + prepaids$12,519.75
Your down payment is the seller’s equity. You take over the $295,908 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $16,611.14 is due at closing. Uses and sources reconcile at $312,518.75 each. Not a Closing Disclosure.