Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$67,554Cash toward the purchase price.
Closing costs + prepaids$10,454Not just lender fees.
Before credits & paid funds$78,008The complete starting cash picture.
Estimated remaining funds due at closing
$78,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,554.14
Your down payment$67,554.14
Closing costs + prepaids$10,454.13
Total buyer cash needed$78,008.27
Remaining funds due$78,008.27
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%)$1,162.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.75
Prepaid interest, first (24 days)$573.15
Fees + prepaids$10,454.13
Your down payment is the seller’s equity. You take over the $232,446 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $78,008.27 is due at closing. Uses and sources reconcile at $310,454.13 each. Not a Closing Disclosure.