Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$88,885Cash toward the purchase price.
Closing costs + prepaids$11,362Not just lender fees.
Before credits & paid funds$100,247The complete starting cash picture.
Estimated remaining funds due at closing
$100,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,884.92
Your down payment$88,884.92
Closing costs + prepaids$11,362.38
Total buyer cash needed$100,247.30
Remaining funds due$100,247.30
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%)$1,055.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$872.75
Initial HOA (3 months)$666.00
Prepaid interest, first (30 days)$550.06
Fees + prepaids$11,362.38
Your down payment is the seller’s equity. You take over the $211,115 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $100,247.30 is due at closing. Uses and sources reconcile at $311,362.38 each. Not a Closing Disclosure.