Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$170,789Cash toward the purchase price.
Closing costs + prepaids$10,375Not just lender fees.
Before credits & paid funds$181,165The complete starting cash picture.
Estimated remaining funds due at closing
$181,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,789.47
Your down payment$170,789.47
Closing costs + prepaids$10,375.20
Total buyer cash needed$181,164.67
Remaining funds due$181,164.67
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$646.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,177.25
Prepaid interest, first (24 days)$333.89
Fees + prepaids$10,375.20
Your down payment is the seller’s equity. You take over the $129,211 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $181,164.67 is due at closing. Uses and sources reconcile at $310,375.20 each. Not a Closing Disclosure.