Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$271,969Cash toward the purchase price.
Closing costs + prepaids$9,161Not just lender fees.
Before credits & paid funds$281,130The complete starting cash picture.
Estimated remaining funds due at closing
$281,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,968.90
Your down payment$271,968.90
Closing costs + prepaids$9,161.31
Total buyer cash needed$281,130.21
Remaining funds due$281,130.21
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$139.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$749.75
Prepaid interest, first (25 days)$54.91
Fees + prepaids$9,161.31
Your down payment is the seller’s equity. You take over the $27,931 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $281,130.21 is due at closing. Uses and sources reconcile at $309,061.31 each. Not a Closing Disclosure.