Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$57,314Cash toward the purchase price.
Closing costs + prepaids$10,807Not just lender fees.
Before credits & paid funds$68,121The complete starting cash picture.
Estimated remaining funds due at closing
$68,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,314.00
Your down payment$57,314.00
Closing costs + prepaids$10,807.03
Total buyer cash needed$68,121.03
Remaining funds due$68,121.03
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,213.43
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)$537.00
Prepaid interest, first (3 days)$73.60
Fees + prepaids$10,807.03
Your down payment is the seller’s equity. You take over the $242,686 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $68,121.03 is due at closing. Uses and sources reconcile at $310,807.03 each. Not a Closing Disclosure.