Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$150,428Cash toward the purchase price.
Closing costs + prepaids$9,342Not just lender fees.
Before credits & paid funds$159,770The complete starting cash picture.
Estimated remaining funds due at closing
$159,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,427.85
Your down payment$150,427.85
Closing costs + prepaids$9,342.39
Total buyer cash needed$159,770.24
Remaining funds due$159,770.24
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%)$732.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$168.50
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$28.03
Fees + prepaids$9,342.39
Your down payment is the seller’s equity. You take over the $146,572 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $159,770.24 is due at closing. Uses and sources reconcile at $306,342.39 each. Not a Closing Disclosure.