Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$149,828Cash toward the purchase price.
Closing costs + prepaids$9,807Not just lender fees.
Before credits & paid funds$159,634The complete starting cash picture.
Estimated remaining funds due at closing
$159,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,827.74
Your down payment$149,827.74
Closing costs + prepaids$9,806.57
Total buyer cash needed$159,634.32
Remaining funds due$159,634.32
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%)$2,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$750.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.50
Initial HOA (3 months)$158.01
Prepaid interest, first (31 days)$379.95
Fees + prepaids$9,806.57
Your down payment is the seller’s equity. You take over the $150,122 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $159,634.32 is due at closing. Uses and sources reconcile at $309,756.57 each. Not a Closing Disclosure.