Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$89,798Cash toward the purchase price.
Closing costs + prepaids$11,735Not just lender fees.
Before credits & paid funds$101,534The complete starting cash picture.
Estimated remaining funds due at closing
$101,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,798.21
Your down payment$89,798.21
Closing costs + prepaids$11,735.34
Total buyer cash needed$101,533.55
Remaining funds due$101,533.55
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,046.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,993.00
Prepaid interest, first (30 days)$488.33
Fees + prepaids$11,735.34
Your down payment is the seller’s equity. You take over the $209,202 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $101,533.55 is due at closing. Uses and sources reconcile at $310,735.34 each. Not a Closing Disclosure.