Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$171,763Cash toward the purchase price.
Closing costs + prepaids$11,211Not just lender fees.
Before credits & paid funds$182,974The complete starting cash picture.
Estimated remaining funds due at closing
$182,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,762.85
Your down payment$171,762.85
Closing costs + prepaids$11,211.41
Total buyer cash needed$182,974.26
Remaining funds due$182,974.26
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$641.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,958.75
Prepaid interest, first (28 days)$393.49
Fees + prepaids$11,211.41
Your down payment is the seller’s equity. You take over the $128,236 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $182,974.26 is due at closing. Uses and sources reconcile at $311,210.41 each. Not a Closing Disclosure.