Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$201,427Cash toward the purchase price.
Closing costs + prepaids$10,251Not just lender fees.
Before credits & paid funds$211,678The complete starting cash picture.
Estimated remaining funds due at closing
$211,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,427.33
Your down payment$201,427.33
Closing costs + prepaids$10,251.10
Total buyer cash needed$211,678.43
Remaining funds due$211,678.43
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$492.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.75
Initial HOA (3 months)$726.00
Prepaid interest, first (5 days)$50.99
Fees + prepaids$10,251.10
Your down payment is the seller’s equity. You take over the $98,473 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $211,678.43 is due at closing. Uses and sources reconcile at $310,151.10 each. Not a Closing Disclosure.