Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$126,029Cash toward the purchase price.
Closing costs + prepaids$10,644Not just lender fees.
Before credits & paid funds$136,673The complete starting cash picture.
Estimated remaining funds due at closing
$136,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,028.99
Your down payment$126,028.99
Closing costs + prepaids$10,643.91
Total buyer cash needed$136,672.91
Remaining funds due$136,672.91
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$869.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,186.00
Prepaid interest, first (26 days)$371.56
Fees + prepaids$10,643.91
Your down payment is the seller’s equity. You take over the $173,871 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $136,672.91 is due at closing. Uses and sources reconcile at $310,543.91 each. Not a Closing Disclosure.