Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$79,038Cash toward the purchase price.
Closing costs + prepaids$10,564Not just lender fees.
Before credits & paid funds$89,601The complete starting cash picture.
Estimated remaining funds due at closing
$89,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,037.58
Your down payment$79,037.58
Closing costs + prepaids$10,563.52
Total buyer cash needed$89,601.09
Remaining funds due$89,601.09
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%)$1,104.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$845.50
Prepaid interest, first (22 days)$396.71
Fees + prepaids$10,563.52
Your down payment is the seller’s equity. You take over the $220,862 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $89,601.09 is due at closing. Uses and sources reconcile at $310,463.52 each. Not a Closing Disclosure.