Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,001Cash toward the purchase price.
Closing costs + prepaids$11,684Not just lender fees.
Before credits & paid funds$17,685The complete starting cash picture.
Estimated remaining funds due at closing
$17,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,000.82
Your down payment$6,000.82
Closing costs + prepaids$11,683.97
Total buyer cash needed$17,684.79
Remaining funds due$17,684.79
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,495.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$371.75
Initial HOA (3 months)$762.00
Prepaid interest, first (31 days)$787.23
Fees + prepaids$11,683.97
Your down payment is the seller’s equity. You take over the $298,999 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $17,684.79 is due at closing. Uses and sources reconcile at $316,683.97 each. Not a Closing Disclosure.