Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$146,294Cash toward the purchase price.
Closing costs + prepaids$9,694Not just lender fees.
Before credits & paid funds$155,988The complete starting cash picture.
Estimated remaining funds due at closing
$155,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,294.07
Your down payment$146,294.07
Closing costs + prepaids$9,693.58
Total buyer cash needed$155,987.65
Remaining funds due$155,987.65
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%)$2,975.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$756.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.25
Prepaid interest, first (22 days)$264.30
Fees + prepaids$9,693.58
Your down payment is the seller’s equity. You take over the $151,206 balance, so the rest of the $297,500 price is paid at closing. A second mortgage can cover part of it. $155,987.65 is due at closing. Uses and sources reconcile at $307,193.58 each. Not a Closing Disclosure.