Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,809Cash toward the purchase price.
Closing costs + prepaids$10,798Not just lender fees.
Before credits & paid funds$127,607The complete starting cash picture.
Estimated remaining funds due at closing
$127,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,808.56
Your down payment$116,808.56
Closing costs + prepaids$10,798.00
Total buyer cash needed$127,606.57
Remaining funds due$127,606.57
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$915.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$222.25
Initial HOA (3 months)$1,098.00
Prepaid interest, first (25 days)$343.80
Fees + prepaids$10,798.00
Your down payment is the seller’s equity. You take over the $183,191 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $127,606.57 is due at closing. Uses and sources reconcile at $310,798.00 each. Not a Closing Disclosure.