Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$127,582Cash toward the purchase price.
Closing costs + prepaids$10,555Not just lender fees.
Before credits & paid funds$138,137The complete starting cash picture.
Estimated remaining funds due at closing
$138,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,582.45
Your down payment$127,582.45
Closing costs + prepaids$10,554.56
Total buyer cash needed$138,137.01
Remaining funds due$138,137.01
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%)$861.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$633.25
Initial HOA (3 months)$195.00
Prepaid interest, first (28 days)$647.73
Fees + prepaids$10,554.56
Your down payment is the seller’s equity. You take over the $172,318 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $138,137.01 is due at closing. Uses and sources reconcile at $310,454.56 each. Not a Closing Disclosure.