Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$54,297Cash toward the purchase price.
Closing costs + prepaids$10,784Not just lender fees.
Before credits & paid funds$65,081The complete starting cash picture.
Estimated remaining funds due at closing
$65,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,296.64
Your down payment$54,296.64
Closing costs + prepaids$10,784.41
Total buyer cash needed$65,081.05
Remaining funds due$65,081.05
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,223.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.50
Prepaid interest, first (30 days)$605.39
Fees + prepaids$10,784.41
Your down payment is the seller’s equity. You take over the $244,703 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $65,081.05 is due at closing. Uses and sources reconcile at $309,784.41 each. Not a Closing Disclosure.