Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$87,126Cash toward the purchase price.
Closing costs + prepaids$11,414Not just lender fees.
Before credits & paid funds$98,540The complete starting cash picture.
Estimated remaining funds due at closing
$98,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,126.00
Your down payment$87,126.00
Closing costs + prepaids$11,413.96
Total buyer cash needed$98,539.97
Remaining funds due$98,539.97
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,064.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$765.00
Initial HOA (3 months)$1,287.00
Prepaid interest, first (5 days)$79.61
Fees + prepaids$11,413.96
Your down payment is the seller’s equity. You take over the $212,873 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $98,539.97 is due at closing. Uses and sources reconcile at $311,412.96 each. Not a Closing Disclosure.