Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$111,863Cash toward the purchase price.
Closing costs + prepaids$10,180Not just lender fees.
Before credits & paid funds$122,042The complete starting cash picture.
Estimated remaining funds due at closing
$122,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,862.72
Your down payment$111,862.72
Closing costs + prepaids$10,179.59
Total buyer cash needed$122,042.31
Remaining funds due$122,042.31
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%)$935.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$333.25
Initial HOA (3 months)$636.00
Prepaid interest, first (2 days)$66.65
Fees + prepaids$10,179.59
Your down payment is the seller’s equity. You take over the $187,137 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $122,042.31 is due at closing. Uses and sources reconcile at $309,179.59 each. Not a Closing Disclosure.