Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$124,354Cash toward the purchase price.
Closing costs + prepaids$10,502Not just lender fees.
Before credits & paid funds$134,856The complete starting cash picture.
Estimated remaining funds due at closing
$134,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,353.82
Your down payment$124,353.82
Closing costs + prepaids$10,502.36
Total buyer cash needed$134,856.18
Remaining funds due$134,856.18
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$927.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.75
Prepaid interest, first (23 days)$482.88
Fees + prepaids$10,502.36
Your down payment is the seller’s equity. You take over the $185,546 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $134,856.18 is due at closing. Uses and sources reconcile at $320,402.36 each. Not a Closing Disclosure.