Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,729Cash toward the purchase price.
Closing costs + prepaids$12,232Not just lender fees.
Before credits & paid funds$13,960The complete starting cash picture.
Estimated remaining funds due at closing
$13,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,728.51
Your down payment$1,728.51
Closing costs + prepaids$12,231.68
Total buyer cash needed$13,960.20
Remaining funds due$13,960.20
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,491.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$545.25
Initial HOA (3 months)$501.00
Prepaid interest, first (27 days)$1,476.08
Fees + prepaids$12,231.68
Your down payment is the seller’s equity. You take over the $298,271 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $13,960.20 is due at closing. Uses and sources reconcile at $312,231.68 each. Not a Closing Disclosure.