Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$73,579Cash toward the purchase price.
Closing costs + prepaids$11,474Not just lender fees.
Before credits & paid funds$85,053The complete starting cash picture.
Estimated remaining funds due at closing
$85,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,579.45
Your down payment$73,579.45
Closing costs + prepaids$11,473.64
Total buyer cash needed$85,053.09
Remaining funds due$85,053.09
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,127.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,287.50
Prepaid interest, first (26 days)$851.04
Fees + prepaids$11,473.64
Your down payment is the seller’s equity. You take over the $225,421 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $85,053.09 is due at closing. Uses and sources reconcile at $310,473.64 each. Not a Closing Disclosure.