Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$53,722Cash toward the purchase price.
Closing costs + prepaids$11,840Not just lender fees.
Before credits & paid funds$65,562The complete starting cash picture.
Estimated remaining funds due at closing
$65,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,722.01
Your down payment$53,722.01
Closing costs + prepaids$11,840.39
Total buyer cash needed$65,562.40
Remaining funds due$65,562.40
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,230.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.25
Initial HOA (3 months)$1,299.00
Prepaid interest, first (26 days)$731.25
Fees + prepaids$11,840.39
Your down payment is the seller’s equity. You take over the $246,178 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $65,562.40 is due at closing. Uses and sources reconcile at $311,740.39 each. Not a Closing Disclosure.