Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$99,218Cash toward the purchase price.
Closing costs + prepaids$10,882Not just lender fees.
Before credits & paid funds$110,099The complete starting cash picture.
Estimated remaining funds due at closing
$110,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,217.61
Your down payment$99,217.61
Closing costs + prepaids$10,881.56
Total buyer cash needed$110,099.17
Remaining funds due$110,099.17
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%)$1,003.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$301.75
Initial HOA (3 months)$744.00
Prepaid interest, first (30 days)$613.90
Fees + prepaids$10,881.56
Your down payment is the seller’s equity. You take over the $200,782 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $110,099.17 is due at closing. Uses and sources reconcile at $310,881.56 each. Not a Closing Disclosure.