Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$144,110Cash toward the purchase price.
Closing costs + prepaids$9,864Not just lender fees.
Before credits & paid funds$153,974The complete starting cash picture.
Estimated remaining funds due at closing
$153,974No 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$9,863.67
Total buyer cash needed$153,973.75
Remaining funds due$153,973.75
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%)$2,985.00
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)$358.25
Initial HOA (3 months)$390.00
Prepaid interest, first (9 days)$140.47
Fees + prepaids$9,863.67
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. $153,973.75 is due at closing. Uses and sources reconcile at $308,363.67 each. Not a Closing Disclosure.