Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,990Cash toward the purchase price.
Closing costs + prepaids$9,936Not just lender fees.
Before credits & paid funds$39,927The complete starting cash picture.
Estimated remaining funds due at closing
$39,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,990.39
Your down payment$29,990.39
Closing costs + prepaids$9,936.49
Total buyer cash needed$39,926.88
Remaining funds due$39,926.88
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%)$1,350.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$346.25
Prepaid interest, first (1 days)$22.19
Fees + prepaids$9,936.49
Your down payment is the seller’s equity. You take over the $270,010 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $39,926.88 is due at closing. Uses and sources reconcile at $309,936.49 each. Not a Closing Disclosure.