Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,222Cash toward the purchase price.
Closing costs + prepaids$10,444Not just lender fees.
Before credits & paid funds$139,665The complete starting cash picture.
Estimated remaining funds due at closing
$139,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,221.57
Your down payment$129,221.57
Closing costs + prepaids$10,443.85
Total buyer cash needed$139,665.42
Remaining funds due$139,665.42
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$853.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$894.25
Prepaid interest, first (28 days)$479.21
Fees + prepaids$10,443.85
Your down payment is the seller’s equity. You take over the $170,678 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $139,665.42 is due at closing. Uses and sources reconcile at $310,343.85 each. Not a Closing Disclosure.