Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$102,618Cash toward the purchase price.
Closing costs + prepaids$10,156Not just lender fees.
Before credits & paid funds$112,774The complete starting cash picture.
Estimated remaining funds due at closing
$112,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,618.33
Your down payment$102,618.33
Closing costs + prepaids$10,156.03
Total buyer cash needed$112,774.36
Remaining funds due$112,774.36
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%)$986.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$571.25
Prepaid interest, first (24 days)$381.38
Fees + prepaids$10,156.03
Your down payment is the seller’s equity. You take over the $197,282 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $112,774.36 is due at closing. Uses and sources reconcile at $310,056.03 each. Not a Closing Disclosure.