Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,110Cash toward the purchase price.
Closing costs + prepaids$10,199Not just lender fees.
Before credits & paid funds$154,309The complete starting cash picture.
Estimated remaining funds due at closing
$154,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,110.08
Your down payment$144,110.08
Closing costs + prepaids$10,199.26
Total buyer cash needed$154,309.34
Remaining funds due$154,309.34
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%)$2,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$771.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$428.50
Initial HOA (3 months)$390.00
Prepaid interest, first (26 days)$405.81
Fees + prepaids$10,199.26
Your down payment is the seller’s equity. You take over the $154,390 balance, so the rest of the $298,500 price is paid at closing. A second mortgage can cover part of it. $154,309.34 is due at closing. Uses and sources reconcile at $308,699.26 each. Not a Closing Disclosure.