Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$101,492Cash toward the purchase price.
Closing costs + prepaids$10,215Not just lender fees.
Before credits & paid funds$111,707The complete starting cash picture.
Estimated remaining funds due at closing
$111,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,491.85
Your down payment$101,491.85
Closing costs + prepaids$10,215.01
Total buyer cash needed$111,706.86
Remaining funds due$111,706.86
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%)$987.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$379.50
Initial HOA (3 months)$210.00
Prepaid interest, first (29 days)$429.97
Fees + prepaids$10,215.01
Your down payment is the seller’s equity. You take over the $197,508 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $111,706.86 is due at closing. Uses and sources reconcile at $309,215.01 each. Not a Closing Disclosure.