Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$79,584Cash toward the purchase price.
Closing costs + prepaids$10,357Not just lender fees.
Before credits & paid funds$89,941The complete starting cash picture.
Estimated remaining funds due at closing
$89,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,584.34
Your down payment$79,584.34
Closing costs + prepaids$10,357.02
Total buyer cash needed$89,941.36
Remaining funds due$89,941.36
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%)$1,097.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$529.00
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$432.94
Fees + prepaids$10,357.02
Your down payment is the seller’s equity. You take over the $219,416 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $89,941.36 is due at closing. Uses and sources reconcile at $309,357.02 each. Not a Closing Disclosure.