Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$78,342Cash toward the purchase price.
Closing costs + prepaids$11,613Not just lender fees.
Before credits & paid funds$89,955The complete starting cash picture.
Estimated remaining funds due at closing
$89,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,342.17
Your down payment$78,342.17
Closing costs + prepaids$11,612.59
Total buyer cash needed$89,954.76
Remaining funds due$89,954.76
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,108.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$277.00
Initial HOA (3 months)$810.00
Prepaid interest, first (29 days)$1,199.32
Fees + prepaids$11,612.59
Your down payment is the seller’s equity. You take over the $221,657 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $89,954.76 is due at closing. Uses and sources reconcile at $311,611.59 each. Not a Closing Disclosure.