Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$133,168Cash toward the purchase price.
Closing costs + prepaids$10,259Not just lender fees.
Before credits & paid funds$143,427The complete starting cash picture.
Estimated remaining funds due at closing
$143,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,167.55
Your down payment$133,167.55
Closing costs + prepaids$10,259.17
Total buyer cash needed$143,426.72
Remaining funds due$143,426.72
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%)$829.16
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 (28 days)$474.51
Fees + prepaids$10,259.17
Your down payment is the seller’s equity. You take over the $165,832 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $143,426.72 is due at closing. Uses and sources reconcile at $309,259.17 each. Not a Closing Disclosure.