Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$145,831Cash toward the purchase price.
Closing costs + prepaids$9,949Not just lender fees.
Before credits & paid funds$155,779The complete starting cash picture.
Estimated remaining funds due at closing
$155,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,830.91
Your down payment$145,830.91
Closing costs + prepaids$9,948.53
Total buyer cash needed$155,779.44
Remaining funds due$155,779.44
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$765.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$655.00
Prepaid interest, first (26 days)$319.68
Fees + prepaids$9,948.53
Your down payment is the seller’s equity. You take over the $153,169 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $155,779.44 is due at closing. Uses and sources reconcile at $308,948.53 each. Not a Closing Disclosure.