Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$158,913Cash toward the purchase price.
Closing costs + prepaids$9,985Not just lender fees.
Before credits & paid funds$168,898The complete starting cash picture.
Estimated remaining funds due at closing
$168,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,912.58
Your down payment$158,912.58
Closing costs + prepaids$9,985.24
Total buyer cash needed$168,897.82
Remaining funds due$168,897.82
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%)$700.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.50
Prepaid interest, first (22 days)$329.30
Fees + prepaids$9,985.24
Your down payment is the seller’s equity. You take over the $140,087 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $168,897.82 is due at closing. Uses and sources reconcile at $308,985.24 each. Not a Closing Disclosure.