Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$7,650Cash toward the purchase price.
Closing costs + prepaids$9,757Not just lender fees.
Before credits & paid funds$17,407The complete starting cash picture.
Estimated remaining funds due at closing
$17,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,649.51
Your down payment$7,649.51
Closing costs + prepaids$9,757.27
Total buyer cash needed$17,406.79
Remaining funds due$17,406.79
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%)$1,461.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$22.75
Prepaid interest, first (1 days)$54.79
Fees + prepaids$9,757.27
Your down payment is the seller’s equity. You take over the $292,349 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $17,406.79 is due at closing. Uses and sources reconcile at $309,756.27 each. Not a Closing Disclosure.