Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$112,050Cash toward the purchase price.
Closing costs + prepaids$11,111Not just lender fees.
Before credits & paid funds$123,161The complete starting cash picture.
Estimated remaining funds due at closing
$123,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,049.99
Your down payment$112,049.99
Closing costs + prepaids$11,110.77
Total buyer cash needed$123,160.76
Remaining funds due$123,160.76
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%)$934.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$333.25
Initial HOA (3 months)$636.00
Prepaid interest, first (30 days)$998.77
Fees + prepaids$11,110.77
Your down payment is the seller’s equity. You take over the $186,950 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $123,160.76 is due at closing. Uses and sources reconcile at $310,110.77 each. Not a Closing Disclosure.