Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$7,937Cash toward the purchase price.
Closing costs + prepaids$10,586Not just lender fees.
Before credits & paid funds$18,523The complete starting cash picture.
Estimated remaining funds due at closing
$18,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,937.32
Your down payment$7,937.32
Closing costs + prepaids$10,585.61
Total buyer cash needed$18,522.93
Remaining funds due$18,522.93
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%)$1,460.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$360.00
Prepaid interest, first (10 days)$547.32
Fees + prepaids$10,585.61
Your down payment is the seller’s equity. You take over the $292,062 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $18,522.93 is due at closing. Uses and sources reconcile at $310,584.61 each. Not a Closing Disclosure.