Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$122,267Cash toward the purchase price.
Closing costs + prepaids$10,277Not just lender fees.
Before credits & paid funds$132,544The complete starting cash picture.
Estimated remaining funds due at closing
$132,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,267.00
Your down payment$122,267.00
Closing costs + prepaids$10,277.48
Total buyer cash needed$132,544.48
Remaining funds due$132,544.48
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%)$2,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$888.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.75
Prepaid interest, first (23 days)$749.21
Fees + prepaids$10,277.48
Your down payment is the seller’s equity. You take over the $177,723 balance, so the rest of the $299,990 price is paid at closing. A second mortgage can cover part of it. $132,544.48 is due at closing. Uses and sources reconcile at $310,267.48 each. Not a Closing Disclosure.