Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$190,085Cash toward the purchase price.
Closing costs + prepaids$9,995Not just lender fees.
Before credits & paid funds$200,081The complete starting cash picture.
Estimated remaining funds due at closing
$200,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,085.27
Your down payment$190,085.27
Closing costs + prepaids$9,995.42
Total buyer cash needed$200,080.68
Remaining funds due$200,080.68
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%)$549.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$837.50
Prepaid interest, first (22 days)$391.84
Fees + prepaids$9,995.42
Your down payment is the seller’s equity. You take over the $109,815 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $200,080.68 is due at closing. Uses and sources reconcile at $309,895.42 each. Not a Closing Disclosure.