Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$107,404Cash toward the purchase price.
Closing costs + prepaids$10,057Not just lender fees.
Before credits & paid funds$117,462The complete starting cash picture.
Estimated remaining funds due at closing
$117,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,404.11
Your down payment$107,404.11
Closing costs + prepaids$10,057.48
Total buyer cash needed$117,461.59
Remaining funds due$117,461.59
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$957.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.50
Prepaid interest, first (25 days)$416.00
Fees + prepaids$10,057.48
Your down payment is the seller’s equity. You take over the $191,596 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $117,461.59 is due at closing. Uses and sources reconcile at $309,057.48 each. Not a Closing Disclosure.