Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$166,001Cash toward the purchase price.
Closing costs + prepaids$9,854Not just lender fees.
Before credits & paid funds$175,855The complete starting cash picture.
Estimated remaining funds due at closing
$175,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,001.30
Your down payment$166,001.30
Closing costs + prepaids$9,853.69
Total buyer cash needed$175,854.99
Remaining funds due$175,854.99
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%)$2,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$662.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$651.25
Prepaid interest, first (26 days)$336.95
Fees + prepaids$9,853.69
Your down payment is the seller’s equity. You take over the $132,499 balance, so the rest of the $298,500 price is paid at closing. A second mortgage can cover part of it. $175,854.99 is due at closing. Uses and sources reconcile at $308,353.69 each. Not a Closing Disclosure.