Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$63,672Cash toward the purchase price.
Closing costs + prepaids$11,857Not just lender fees.
Before credits & paid funds$75,529The complete starting cash picture.
Estimated remaining funds due at closing
$75,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,671.70
Your down payment$63,671.70
Closing costs + prepaids$11,857.41
Total buyer cash needed$75,529.11
Remaining funds due$75,529.11
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%)$1,176.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$762.50
Initial HOA (3 months)$1,530.00
Prepaid interest, first (4 days)$180.27
Fees + prepaids$11,857.41
Your down payment is the seller’s equity. You take over the $235,328 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $75,529.11 is due at closing. Uses and sources reconcile at $310,857.41 each. Not a Closing Disclosure.