Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,533Cash toward the purchase price.
Closing costs + prepaids$10,406Not just lender fees.
Before credits & paid funds$126,938The complete starting cash picture.
Estimated remaining funds due at closing
$126,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,532.54
Your down payment$116,532.54
Closing costs + prepaids$10,405.53
Total buyer cash needed$126,938.07
Remaining funds due$126,938.07
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$916.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$633.00
Initial HOA (3 months)$50.01
Prepaid interest, first (31 days)$588.68
Fees + prepaids$10,405.53
Your down payment is the seller’s equity. You take over the $183,367 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $126,938.07 is due at closing. Uses and sources reconcile at $310,305.53 each. Not a Closing Disclosure.