Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$168,259Cash toward the purchase price.
Closing costs + prepaids$9,539Not just lender fees.
Before credits & paid funds$177,798The complete starting cash picture.
Estimated remaining funds due at closing
$177,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,259.10
Your down payment$168,259.10
Closing costs + prepaids$9,538.94
Total buyer cash needed$177,798.04
Remaining funds due$177,798.04
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%)$2,990.22
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$653.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.75
Prepaid interest, first (26 days)$256.15
Fees + prepaids$9,538.94
Your down payment is the seller’s equity. You take over the $130,763 balance, so the rest of the $299,022 price is paid at closing. A second mortgage can cover part of it. $177,798.04 is due at closing. Uses and sources reconcile at $308,560.94 each. Not a Closing Disclosure.