Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$205,981Cash toward the purchase price.
Closing costs + prepaids$8,825Not just lender fees.
Before credits & paid funds$214,807The complete starting cash picture.
Estimated remaining funds due at closing
$214,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,981.35
Your down payment$205,981.35
Closing costs + prepaids$8,825.36
Total buyer cash needed$214,806.72
Remaining funds due$214,806.72
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$465.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (25 days)$152.27
Fees + prepaids$8,825.36
Your down payment is the seller’s equity. You take over the $93,019 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $214,806.72 is due at closing. Uses and sources reconcile at $307,825.36 each. Not a Closing Disclosure.