Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,519Cash toward the purchase price.
Closing costs + prepaids$11,120Not just lender fees.
Before credits & paid funds$85,640The complete starting cash picture.
Estimated remaining funds due at closing
$85,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,519.17
Your down payment$74,519.17
Closing costs + prepaids$11,120.42
Total buyer cash needed$85,639.59
Remaining funds due$85,639.59
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%)$1,122.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$978.00
Initial HOA (3 months)$324.00
Prepaid interest, first (23 days)$488.02
Fees + prepaids$11,120.42
Your down payment is the seller’s equity. You take over the $224,481 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $85,639.59 is due at closing. Uses and sources reconcile at $310,120.42 each. Not a Closing Disclosure.