Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,431Cash toward the purchase price.
Closing costs + prepaids$10,540Not just lender fees.
Before credits & paid funds$151,971The complete starting cash picture.
Estimated remaining funds due at closing
$151,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,430.97
Your down payment$141,430.97
Closing costs + prepaids$10,540.22
Total buyer cash needed$151,971.19
Remaining funds due$151,971.19
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%)$787.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.50
Initial HOA (3 months)$390.00
Prepaid interest, first (25 days)$406.87
Fees + prepaids$10,540.22
Your down payment is the seller’s equity. You take over the $157,569 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $151,971.19 is due at closing. Uses and sources reconcile at $309,540.22 each. Not a Closing Disclosure.