Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$2,047Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$13,844The complete starting cash picture.
Estimated remaining funds due at closing
$13,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,047.05
Your down payment$2,047.05
Closing costs + prepaids$11,796.88
Total buyer cash needed$13,843.93
Remaining funds due$13,843.93
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%)$1,489.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$128.50
Initial HOA (3 months)$960.00
Prepaid interest, first (18 days)$1,000.63
Fees + prepaids$11,796.88
Your down payment is the seller’s equity. You take over the $297,952 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $13,843.93 is due at closing. Uses and sources reconcile at $311,795.88 each. Not a Closing Disclosure.