Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$86,988Cash toward the purchase price.
Closing costs + prepaids$10,115Not just lender fees.
Before credits & paid funds$97,104The complete starting cash picture.
Estimated remaining funds due at closing
$97,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,988.22
Your down payment$86,988.22
Closing costs + prepaids$10,115.37
Total buyer cash needed$97,103.59
Remaining funds due$97,103.59
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%)$1,064.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.75
Prepaid interest, first (4 days)$69.07
Fees + prepaids$10,115.37
Your down payment is the seller’s equity. You take over the $212,912 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $97,103.59 is due at closing. Uses and sources reconcile at $310,015.37 each. Not a Closing Disclosure.