Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$19,001Cash toward the purchase price.
Closing costs + prepaids$10,871Not just lender fees.
Before credits & paid funds$29,872The complete starting cash picture.
Estimated remaining funds due at closing
$29,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,001.18
Your down payment$19,001.18
Closing costs + prepaids$10,870.67
Total buyer cash needed$29,871.85
Remaining funds due$29,871.85
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%)$2,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,397.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$373.25
Prepaid interest, first (17 days)$896.92
Fees + prepaids$10,870.67
Your down payment is the seller’s equity. You take over the $279,499 balance, so the rest of the $298,500 price is paid at closing. A second mortgage can cover part of it. $29,871.85 is due at closing. Uses and sources reconcile at $309,370.67 each. Not a Closing Disclosure.