Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$6,615Cash toward the purchase price.
Closing costs + prepaids$10,084Not just lender fees.
Before credits & paid funds$16,699The complete starting cash picture.
Estimated remaining funds due at closing
$16,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,614.89
Your down payment$6,614.89
Closing costs + prepaids$10,084.44
Total buyer cash needed$16,699.33
Remaining funds due$16,699.33
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,466.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$213.25
Initial HOA (3 months)$132.00
Prepaid interest, first (1 days)$55.76
Fees + prepaids$10,084.44
Your down payment is the seller’s equity. You take over the $293,285 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $16,699.33 is due at closing. Uses and sources reconcile at $309,984.44 each. Not a Closing Disclosure.