Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$182,979Cash toward the purchase price.
Closing costs + prepaids$10,221Not just lender fees.
Before credits & paid funds$193,200The complete starting cash picture.
Estimated remaining funds due at closing
$193,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,979.25
Your down payment$182,979.25
Closing costs + prepaids$10,221.15
Total buyer cash needed$193,200.39
Remaining funds due$193,200.39
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%)$580.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.50
Initial HOA (3 months)$642.00
Prepaid interest, first (25 days)$276.54
Fees + prepaids$10,221.15
Your down payment is the seller’s equity. You take over the $116,021 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $193,200.39 is due at closing. Uses and sources reconcile at $309,221.15 each. Not a Closing Disclosure.