Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$142,154Cash toward the purchase price.
Closing costs + prepaids$9,949Not just lender fees.
Before credits & paid funds$152,103The complete starting cash picture.
Estimated remaining funds due at closing
$152,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,153.86
Your down payment$142,153.86
Closing costs + prepaids$9,949.12
Total buyer cash needed$152,102.98
Remaining funds due$152,102.98
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%)$788.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$213.00
Prepaid interest, first (26 days)$730.39
Fees + prepaids$9,949.12
Your down payment is the seller’s equity. You take over the $157,746 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $152,102.98 is due at closing. Uses and sources reconcile at $309,849.12 each. Not a Closing Disclosure.