Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$185,753Cash toward the purchase price.
Closing costs + prepaids$10,115Not just lender fees.
Before credits & paid funds$195,868The complete starting cash picture.
Estimated remaining funds due at closing
$195,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,752.88
Your down payment$185,752.88
Closing costs + prepaids$10,115.09
Total buyer cash needed$195,867.97
Remaining funds due$195,867.97
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%)$2,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$568.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,087.50
Prepaid interest, first (23 days)$245.85
Fees + prepaids$10,115.09
Your down payment is the seller’s equity. You take over the $113,747 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $195,867.97 is due at closing. Uses and sources reconcile at $309,615.09 each. Not a Closing Disclosure.