Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$6,000Cash toward the purchase price.
Closing costs + prepaids$10,936Not just lender fees.
Before credits & paid funds$16,937The complete starting cash picture.
Estimated remaining funds due at closing
$16,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,000.46
Your down payment$6,000.46
Closing costs + prepaids$10,936.26
Total buyer cash needed$16,936.72
Remaining funds due$16,936.72
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%)$3,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,494.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.25
Prepaid interest, first (15 days)$793.52
Fees + prepaids$10,936.26
Your down payment is the seller’s equity. You take over the $298,900 balance, so the rest of the $304,900 price is paid at closing. A second mortgage can cover part of it. $16,936.72 is due at closing. Uses and sources reconcile at $315,836.26 each. Not a Closing Disclosure.