Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$242,743Cash toward the purchase price.
Closing costs + prepaids$9,986Not just lender fees.
Before credits & paid funds$252,728The complete starting cash picture.
Estimated remaining funds due at closing
$252,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,742.61
Your down payment$242,742.61
Closing costs + prepaids$9,985.88
Total buyer cash needed$252,728.48
Remaining funds due$252,728.48
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%)$2,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$271.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$979.00
Initial HOA (3 months)$384.00
Prepaid interest, first (31 days)$163.59
Fees + prepaids$9,985.88
Your down payment is the seller’s equity. You take over the $54,257 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $252,728.48 is due at closing. Uses and sources reconcile at $306,985.88 each. Not a Closing Disclosure.