Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$137,385Cash toward the purchase price.
Closing costs + prepaids$10,058Not just lender fees.
Before credits & paid funds$147,443The complete starting cash picture.
Estimated remaining funds due at closing
$147,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,384.74
Your down payment$137,384.74
Closing costs + prepaids$10,058.46
Total buyer cash needed$147,443.20
Remaining funds due$147,443.20
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$813.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$616.50
Prepaid interest, first (23 days)$410.90
Fees + prepaids$10,058.46
Your down payment is the seller’s equity. You take over the $162,614 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $147,443.20 is due at closing. Uses and sources reconcile at $310,057.46 each. Not a Closing Disclosure.