Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$153,205Cash toward the purchase price.
Closing costs + prepaids$9,950Not just lender fees.
Before credits & paid funds$163,155The complete starting cash picture.
Estimated remaining funds due at closing
$163,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,204.69
Your down payment$153,204.69
Closing costs + prepaids$9,950.09
Total buyer cash needed$163,154.78
Remaining funds due$163,154.78
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%)$2,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$723.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$459.85
Fees + prepaids$9,950.09
Your down payment is the seller’s equity. You take over the $144,795 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $163,154.78 is due at closing. Uses and sources reconcile at $307,950.09 each. Not a Closing Disclosure.