Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,577Cash toward the purchase price.
Closing costs + prepaids$10,523Not just lender fees.
Before credits & paid funds$93,100The complete starting cash picture.
Estimated remaining funds due at closing
$93,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,577.22
Your down payment$82,577.22
Closing costs + prepaids$10,522.93
Total buyer cash needed$93,100.14
Remaining funds due$93,100.14
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,087.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$503.00
Prepaid interest, first (25 days)$714.81
Fees + prepaids$10,522.93
Your down payment is the seller’s equity. You take over the $217,423 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $93,100.14 is due at closing. Uses and sources reconcile at $310,522.93 each. Not a Closing Disclosure.