Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$96,162Cash toward the purchase price.
Closing costs + prepaids$11,189Not just lender fees.
Before credits & paid funds$107,351The complete starting cash picture.
Estimated remaining funds due at closing
$107,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,161.94
Your down payment$96,161.94
Closing costs + prepaids$11,189.15
Total buyer cash needed$107,351.09
Remaining funds due$107,351.09
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,019.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,239.50
Initial HOA (3 months)$97.26
Prepaid interest, first (27 days)$615.20
Fees + prepaids$11,189.15
Your down payment is the seller’s equity. You take over the $203,838 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $107,351.09 is due at closing. Uses and sources reconcile at $311,189.15 each. Not a Closing Disclosure.