Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$65,064Cash toward the purchase price.
Closing costs + prepaids$11,336Not just lender fees.
Before credits & paid funds$76,400The complete starting cash picture.
Estimated remaining funds due at closing
$76,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,063.75
Your down payment$65,063.75
Closing costs + prepaids$11,336.26
Total buyer cash needed$76,400.00
Remaining funds due$76,400.00
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%)$2,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,173.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,886.75
Initial HOA (3 months)$21.24
Prepaid interest, first (2 days)$38.59
Fees + prepaids$11,336.26
Your down payment is the seller’s equity. You take over the $234,736 balance, so the rest of the $299,800 price is paid at closing. A second mortgage can cover part of it. $76,400.00 is due at closing. Uses and sources reconcile at $311,136.26 each. Not a Closing Disclosure.