Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,947Cash toward the purchase price.
Closing costs + prepaids$11,754Not just lender fees.
Before credits & paid funds$18,700The complete starting cash picture.
Estimated remaining funds due at closing
$18,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,946.50
Your down payment$6,946.50
Closing costs + prepaids$11,753.76
Total buyer cash needed$18,700.26
Remaining funds due$18,700.26
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%)$1,464.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$213.25
Initial HOA (3 months)$132.00
Prepaid interest, first (31 days)$1,726.74
Fees + prepaids$11,753.76
Your down payment is the seller’s equity. You take over the $292,953 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $18,700.26 is due at closing. Uses and sources reconcile at $311,653.76 each. Not a Closing Disclosure.