Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$129,822Cash toward the purchase price.
Closing costs + prepaids$9,653Not just lender fees.
Before credits & paid funds$139,474The complete starting cash picture.
Estimated remaining funds due at closing
$139,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,821.93
Your down payment$129,821.93
Closing costs + prepaids$9,652.53
Total buyer cash needed$139,474.46
Remaining funds due$139,474.46
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%)$850.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$234.50
Prepaid interest, first (25 days)$350.64
Fees + prepaids$9,652.53
Your down payment is the seller’s equity. You take over the $170,078 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $139,474.46 is due at closing. Uses and sources reconcile at $309,552.53 each. Not a Closing Disclosure.