Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$5,351Cash toward the purchase price.
Closing costs + prepaids$10,925Not just lender fees.
Before credits & paid funds$16,276The complete starting cash picture.
Estimated remaining funds due at closing
$16,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,350.82
Your down payment$5,350.82
Closing costs + prepaids$10,925.45
Total buyer cash needed$16,276.26
Remaining funds due$16,276.26
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,498.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$371.75
Initial HOA (3 months)$762.00
Prepaid interest, first (1 days)$25.45
Fees + prepaids$10,925.45
Your down payment is the seller’s equity. You take over the $299,649 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $16,276.26 is due at closing. Uses and sources reconcile at $315,925.45 each. Not a Closing Disclosure.