Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$211,671Cash toward the purchase price.
Closing costs + prepaids$9,938Not just lender fees.
Before credits & paid funds$221,609The complete starting cash picture.
Estimated remaining funds due at closing
$221,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,670.96
Your down payment$211,670.96
Closing costs + prepaids$9,938.08
Total buyer cash needed$221,609.05
Remaining funds due$221,609.05
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%)$439.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$832.50
Prepaid interest, first (28 days)$453.44
Fees + prepaids$9,938.08
Your down payment is the seller’s equity. You take over the $87,829 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $221,609.05 is due at closing. Uses and sources reconcile at $309,438.08 each. Not a Closing Disclosure.