Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$190,002Cash toward the purchase price.
Closing costs + prepaids$9,765Not just lender fees.
Before credits & paid funds$199,768The complete starting cash picture.
Estimated remaining funds due at closing
$199,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,002.46
Your down payment$190,002.46
Closing costs + prepaids$9,765.33
Total buyer cash needed$199,767.79
Remaining funds due$199,767.79
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%)$542.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$746.25
Prepaid interest, first (26 days)$273.59
Fees + prepaids$9,765.33
Your down payment is the seller’s equity. You take over the $108,498 balance, so the rest of the $298,500 price is paid at closing. A second mortgage can cover part of it. $199,767.79 is due at closing. Uses and sources reconcile at $308,265.33 each. Not a Closing Disclosure.