Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,260Cash toward the purchase price.
Closing costs + prepaids$10,240Not just lender fees.
Before credits & paid funds$80,500The complete starting cash picture.
Estimated remaining funds due at closing
$80,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,260.01
Your down payment$70,260.01
Closing costs + prepaids$10,240.30
Total buyer cash needed$80,500.31
Remaining funds due$80,500.31
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%)$1,143.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$364.50
Initial HOA (3 months)$510.00
Prepaid interest, first (1 days)$14.10
Fees + prepaids$10,240.30
Your down payment is the seller’s equity. You take over the $228,740 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $80,500.31 is due at closing. Uses and sources reconcile at $309,240.30 each. Not a Closing Disclosure.