Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$94,955Cash toward the purchase price.
Closing costs + prepaids$9,720Not just lender fees.
Before credits & paid funds$104,675The complete starting cash picture.
Estimated remaining funds due at closing
$104,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,955.00
Your down payment$94,955.00
Closing costs + prepaids$9,719.93
Total buyer cash needed$104,674.93
Remaining funds due$104,674.93
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%)$1,020.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.50
Initial HOA (3 months)$108.00
Prepaid interest, first (1 days)$15.21
Fees + prepaids$9,719.93
Your down payment is the seller’s equity. You take over the $204,045 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $104,674.93 is due at closing. Uses and sources reconcile at $308,719.93 each. Not a Closing Disclosure.