Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$154,928Cash toward the purchase price.
Closing costs + prepaids$10,187Not just lender fees.
Before credits & paid funds$165,116The complete starting cash picture.
Estimated remaining funds due at closing
$165,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,928.45
Your down payment$154,928.45
Closing costs + prepaids$10,187.48
Total buyer cash needed$165,115.93
Remaining funds due$165,115.93
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$725.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$750.00
Prepaid interest, first (28 days)$494.12
Fees + prepaids$10,187.48
Your down payment is the seller’s equity. You take over the $145,072 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $165,115.93 is due at closing. Uses and sources reconcile at $310,187.48 each. Not a Closing Disclosure.