Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$116,559Cash toward the purchase price.
Closing costs + prepaids$10,275Not just lender fees.
Before credits & paid funds$126,833The complete starting cash picture.
Estimated remaining funds due at closing
$126,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,558.69
Your down payment$116,558.69
Closing costs + prepaids$10,274.71
Total buyer cash needed$126,833.40
Remaining funds due$126,833.40
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%)$912.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$366.25
Initial HOA (3 months)$330.00
Prepaid interest, first (24 days)$458.25
Fees + prepaids$10,274.71
Your down payment is the seller’s equity. You take over the $182,441 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $126,833.40 is due at closing. Uses and sources reconcile at $309,274.71 each. Not a Closing Disclosure.