Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$16,706Cash toward the purchase price.
Closing costs + prepaids$11,294Not just lender fees.
Before credits & paid funds$28,000The complete starting cash picture.
Estimated remaining funds due at closing
$28,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,706.26
Your down payment$16,706.26
Closing costs + prepaids$11,293.97
Total buyer cash needed$28,000.23
Remaining funds due$28,000.23
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%)$1,415.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Initial HOA (3 months)$675.00
Prepaid interest, first (14 days)$611.00
Fees + prepaids$11,293.97
Your down payment is the seller’s equity. You take over the $283,194 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $28,000.23 is due at closing. Uses and sources reconcile at $311,193.97 each. Not a Closing Disclosure.