Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,107Cash toward the purchase price.
Closing costs + prepaids$12,521Not just lender fees.
Before credits & paid funds$75,628The complete starting cash picture.
Estimated remaining funds due at closing
$75,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,106.71
Your down payment$63,106.71
Closing costs + prepaids$12,521.40
Total buyer cash needed$75,628.11
Remaining funds due$75,628.11
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,179.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$639.50
Initial HOA (3 months)$1,335.00
Prepaid interest, first (26 days)$1,159.43
Fees + prepaids$12,521.40
Your down payment is the seller’s equity. You take over the $235,893 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $75,628.11 is due at closing. Uses and sources reconcile at $311,521.40 each. Not a Closing Disclosure.