Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$49,938Cash toward the purchase price.
Closing costs + prepaids$11,401Not just lender fees.
Before credits & paid funds$61,339The complete starting cash picture.
Estimated remaining funds due at closing
$61,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,937.94
Your down payment$49,937.94
Closing costs + prepaids$11,401.30
Total buyer cash needed$61,339.24
Remaining funds due$61,339.24
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%)$1,249.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$630.75
Initial HOA (3 months)$7.50
Prepaid interest, first (28 days)$1,296.24
Fees + prepaids$11,401.30
Your down payment is the seller’s equity. You take over the $249,962 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $61,339.24 is due at closing. Uses and sources reconcile at $311,301.30 each. Not a Closing Disclosure.