Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,635Cash toward the purchase price.
Closing costs + prepaids$10,714Not just lender fees.
Before credits & paid funds$28,350The complete starting cash picture.
Estimated remaining funds due at closing
$28,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,635.33
Your down payment$17,635.33
Closing costs + prepaids$10,714.22
Total buyer cash needed$28,349.55
Remaining funds due$28,349.55
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%)$1,411.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$551.50
Initial HOA (3 months)$510.00
Prepaid interest, first (1 days)$22.90
Fees + prepaids$10,714.22
Your down payment is the seller’s equity. You take over the $282,365 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $28,349.55 is due at closing. Uses and sources reconcile at $310,714.22 each. Not a Closing Disclosure.