Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$118,665Cash toward the purchase price.
Closing costs + prepaids$10,835Not just lender fees.
Before credits & paid funds$129,500The complete starting cash picture.
Estimated remaining funds due at closing
$129,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,664.93
Your down payment$118,664.93
Closing costs + prepaids$10,834.57
Total buyer cash needed$129,499.50
Remaining funds due$129,499.50
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%)$904.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,272.00
Prepaid interest, first (29 days)$445.40
Fees + prepaids$10,834.57
Your down payment is the seller’s equity. You take over the $180,835 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $129,499.50 is due at closing. Uses and sources reconcile at $310,334.57 each. Not a Closing Disclosure.