Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$163,607Cash toward the purchase price.
Closing costs + prepaids$10,292Not just lender fees.
Before credits & paid funds$173,900The complete starting cash picture.
Estimated remaining funds due at closing
$173,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,607.41
Your down payment$163,607.41
Closing costs + prepaids$10,292.31
Total buyer cash needed$173,899.72
Remaining funds due$173,899.72
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%)$681.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.25
Prepaid interest, first (28 days)$680.09
Fees + prepaids$10,292.31
Your down payment is the seller’s equity. You take over the $136,393 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $173,899.72 is due at closing. Uses and sources reconcile at $310,292.31 each. Not a Closing Disclosure.