Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,286Cash toward the purchase price.
Closing costs + prepaids$11,123Not just lender fees.
Before credits & paid funds$169,409The complete starting cash picture.
Estimated remaining funds due at closing
$169,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,286.00
Your down payment$158,286.00
Closing costs + prepaids$11,123.13
Total buyer cash needed$169,409.13
Remaining funds due$169,409.13
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%)$708.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,843.25
Prepaid interest, first (26 days)$353.31
Fees + prepaids$11,123.13
Your down payment is the seller’s equity. You take over the $141,714 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $169,409.13 is due at closing. Uses and sources reconcile at $311,123.13 each. Not a Closing Disclosure.