Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$77,464Cash toward the purchase price.
Closing costs + prepaids$11,135Not just lender fees.
Before credits & paid funds$88,599The complete starting cash picture.
Estimated remaining funds due at closing
$88,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,463.93
Your down payment$77,463.93
Closing costs + prepaids$11,135.12
Total buyer cash needed$88,599.05
Remaining funds due$88,599.05
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,112.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$775.50
Initial HOA (3 months)$504.00
Prepaid interest, first (30 days)$524.94
Fees + prepaids$11,135.12
Your down payment is the seller’s equity. You take over the $222,536 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $88,599.05 is due at closing. Uses and sources reconcile at $311,135.12 each. Not a Closing Disclosure.