Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$212,289Cash toward the purchase price.
Closing costs + prepaids$9,889Not just lender fees.
Before credits & paid funds$222,178The complete starting cash picture.
Estimated remaining funds due at closing
$222,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,288.58
Your down payment$212,288.58
Closing costs + prepaids$9,889.16
Total buyer cash needed$222,177.74
Remaining funds due$222,177.74
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%)$438.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$680.00
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$282.60
Fees + prepaids$9,889.16
Your down payment is the seller’s equity. You take over the $87,711 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $222,177.74 is due at closing. Uses and sources reconcile at $309,889.16 each. Not a Closing Disclosure.