Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$127,079Cash toward the purchase price.
Closing costs + prepaids$10,292Not just lender fees.
Before credits & paid funds$137,371The complete starting cash picture.
Estimated remaining funds due at closing
$137,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,079.12
Your down payment$127,079.12
Closing costs + prepaids$10,292.03
Total buyer cash needed$137,371.15
Remaining funds due$137,371.15
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%)$3,020.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$874.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$755.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$393.16
Fees + prepaids$10,292.03
Your down payment is the seller’s equity. You take over the $174,921 balance, so the rest of the $302,000 price is paid at closing. A second mortgage can cover part of it. $137,371.15 is due at closing. Uses and sources reconcile at $312,292.03 each. Not a Closing Disclosure.