Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$108,465Cash toward the purchase price.
Closing costs + prepaids$10,153Not just lender fees.
Before credits & paid funds$118,618The complete starting cash picture.
Estimated remaining funds due at closing
$118,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,464.81
Your down payment$108,464.81
Closing costs + prepaids$10,153.07
Total buyer cash needed$118,617.89
Remaining funds due$118,617.89
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%)$957.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$626.50
Initial HOA (3 months)$38.76
Prepaid interest, first (23 days)$313.64
Fees + prepaids$10,153.07
Your down payment is the seller’s equity. You take over the $191,435 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $118,617.89 is due at closing. Uses and sources reconcile at $310,053.07 each. Not a Closing Disclosure.