Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$10,242Cash toward the purchase price.
Closing costs + prepaids$10,094Not just lender fees.
Before credits & paid funds$20,336The complete starting cash picture.
Estimated remaining funds due at closing
$20,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,242.15
Your down payment$10,242.15
Closing costs + prepaids$10,094.06
Total buyer cash needed$20,336.21
Remaining funds due$20,336.21
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%)$1,448.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$337.00
Initial HOA (3 months)$68.76
Prepaid interest, first (1 days)$23.01
Fees + prepaids$10,094.06
Your down payment is the seller’s equity. You take over the $289,658 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $20,336.21 is due at closing. Uses and sources reconcile at $309,994.06 each. Not a Closing Disclosure.