Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$135,728Cash toward the purchase price.
Closing costs + prepaids$9,813Not just lender fees.
Before credits & paid funds$145,541The complete starting cash picture.
Estimated remaining funds due at closing
$145,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,728.15
Your down payment$135,728.15
Closing costs + prepaids$9,813.19
Total buyer cash needed$145,541.33
Remaining funds due$145,541.33
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%)$816.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.75
Initial HOA (3 months)$6.24
Prepaid interest, first (27 days)$347.84
Fees + prepaids$9,813.19
Your down payment is the seller’s equity. You take over the $163,272 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $145,541.33 is due at closing. Uses and sources reconcile at $308,813.19 each. Not a Closing Disclosure.