Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$164,444Cash toward the purchase price.
Closing costs + prepaids$9,252Not just lender fees.
Before credits & paid funds$173,697The complete starting cash picture.
Estimated remaining funds due at closing
$173,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,444.42
Your down payment$164,444.42
Closing costs + prepaids$9,252.24
Total buyer cash needed$173,696.66
Remaining funds due$173,696.66
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%)$677.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$106.00
Prepaid interest, first (24 days)$250.46
Fees + prepaids$9,252.24
Your down payment is the seller’s equity. You take over the $135,556 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $173,696.66 is due at closing. Uses and sources reconcile at $309,252.24 each. Not a Closing Disclosure.