Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$152,889Cash toward the purchase price.
Closing costs + prepaids$9,714Not just lender fees.
Before credits & paid funds$162,603The complete starting cash picture.
Estimated remaining funds due at closing
$162,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,889.01
Your down payment$152,889.01
Closing costs + prepaids$9,713.71
Total buyer cash needed$162,602.73
Remaining funds due$162,602.73
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%)$735.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Prepaid interest, first (23 days)$293.66
Fees + prepaids$9,713.71
Your down payment is the seller’s equity. You take over the $147,011 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $162,602.73 is due at closing. Uses and sources reconcile at $309,613.71 each. Not a Closing Disclosure.