Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,836Cash toward the purchase price.
Closing costs + prepaids$10,253Not just lender fees.
Before credits & paid funds$133,090The complete starting cash picture.
Estimated remaining funds due at closing
$133,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,836.46
Your down payment$122,836.46
Closing costs + prepaids$10,253.19
Total buyer cash needed$133,089.65
Remaining funds due$133,089.65
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$910.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$597.75
Prepaid interest, first (25 days)$476.62
Fees + prepaids$10,253.19
Your down payment is the seller’s equity. You take over the $182,164 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $133,089.65 is due at closing. Uses and sources reconcile at $315,253.19 each. Not a Closing Disclosure.