Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$242,743Cash toward the purchase price.
Closing costs + prepaids$9,938Not just lender fees.
Before credits & paid funds$252,681The complete starting cash picture.
Estimated remaining funds due at closing
$252,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,742.61
Your down payment$242,742.61
Closing costs + prepaids$9,938.38
Total buyer cash needed$252,680.99
Remaining funds due$252,680.99
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%)$2,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$271.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$979.00
Initial HOA (3 months)$384.00
Prepaid interest, first (22 days)$116.10
Fees + prepaids$9,938.38
Your down payment is the seller’s equity. You take over the $54,257 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $252,680.99 is due at closing. Uses and sources reconcile at $306,938.38 each. Not a Closing Disclosure.