Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$28,094Cash toward the purchase price.
Closing costs + prepaids$10,903Not just lender fees.
Before credits & paid funds$38,998The complete starting cash picture.
Estimated remaining funds due at closing
$38,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,094.13
Your down payment$28,094.13
Closing costs + prepaids$10,903.42
Total buyer cash needed$38,997.54
Remaining funds due$38,997.54
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,359.53
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)$105.00
Prepaid interest, first (15 days)$845.89
Fees + prepaids$10,903.42
Your down payment is the seller’s equity. You take over the $271,906 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $38,997.54 is due at closing. Uses and sources reconcile at $310,903.42 each. Not a Closing Disclosure.