Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$112,050Cash toward the purchase price.
Closing costs + prepaids$10,745Not just lender fees.
Before credits & paid funds$122,795The complete starting cash picture.
Estimated remaining funds due at closing
$122,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,049.99
Your down payment$112,049.99
Closing costs + prepaids$10,744.56
Total buyer cash needed$122,794.55
Remaining funds due$122,794.55
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%)$934.75
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 (19 days)$632.56
Fees + prepaids$10,744.56
Your down payment is the seller’s equity. You take over the $186,950 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $122,794.55 is due at closing. Uses and sources reconcile at $309,744.56 each. Not a Closing Disclosure.