Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$79,987Cash toward the purchase price.
Closing costs + prepaids$10,376Not just lender fees.
Before credits & paid funds$90,364The complete starting cash picture.
Estimated remaining funds due at closing
$90,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,987.49
Your down payment$79,987.49
Closing costs + prepaids$10,376.26
Total buyer cash needed$90,363.75
Remaining funds due$90,363.75
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%)$2,998.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,099.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$493.25
Initial HOA (3 months)$291.00
Prepaid interest, first (18 days)$275.46
Fees + prepaids$10,376.26
Your down payment is the seller’s equity. You take over the $219,912 balance, so the rest of the $299,899 price is paid at closing. A second mortgage can cover part of it. $90,363.75 is due at closing. Uses and sources reconcile at $310,275.26 each. Not a Closing Disclosure.