Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,672Cash toward the purchase price.
Closing costs + prepaids$10,536Not just lender fees.
Before credits & paid funds$156,208The complete starting cash picture.
Estimated remaining funds due at closing
$156,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,671.86
Your down payment$145,671.86
Closing costs + prepaids$10,535.79
Total buyer cash needed$156,207.65
Remaining funds due$156,207.65
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%)$771.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,164.00
Initial HOA (3 months)$43.50
Prepaid interest, first (23 days)$340.15
Fees + prepaids$10,535.79
Your down payment is the seller’s equity. You take over the $154,228 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $156,207.65 is due at closing. Uses and sources reconcile at $310,435.79 each. Not a Closing Disclosure.