Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$142,970Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$153,535The complete starting cash picture.
Estimated remaining funds due at closing
$153,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,970.37
Your down payment$142,970.37
Closing costs + prepaids$10,564.75
Total buyer cash needed$153,535.12
Remaining funds due$153,535.12
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%)$784.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$489.50
Initial HOA (3 months)$795.00
Prepaid interest, first (18 days)$278.60
Fees + prepaids$10,564.75
Your down payment is the seller’s equity. You take over the $156,930 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $153,535.12 is due at closing. Uses and sources reconcile at $310,464.75 each. Not a Closing Disclosure.