Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$2,793Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$13,708The complete starting cash picture.
Estimated remaining funds due at closing
$13,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,793.41
Your down payment$2,793.41
Closing costs + prepaids$10,915.08
Total buyer cash needed$13,708.49
Remaining funds due$13,708.49
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%)$1,486.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$360.00
Initial HOA (3 months)$312.00
Prepaid interest, first (10 days)$539.04
Fees + prepaids$10,915.08
Your down payment is the seller’s equity. You take over the $297,207 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $13,708.49 is due at closing. Uses and sources reconcile at $310,915.08 each. Not a Closing Disclosure.