Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$89,798Cash toward the purchase price.
Closing costs + prepaids$11,605Not just lender fees.
Before credits & paid funds$101,403The complete starting cash picture.
Estimated remaining funds due at closing
$101,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,798.21
Your down payment$89,798.21
Closing costs + prepaids$11,605.12
Total buyer cash needed$101,403.33
Remaining funds due$101,403.33
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%)$1,046.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,993.00
Prepaid interest, first (22 days)$358.11
Fees + prepaids$11,605.12
Your down payment is the seller’s equity. You take over the $209,202 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $101,403.33 is due at closing. Uses and sources reconcile at $310,605.12 each. Not a Closing Disclosure.