Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$171,936Cash toward the purchase price.
Closing costs + prepaids$9,901Not just lender fees.
Before credits & paid funds$181,837The complete starting cash picture.
Estimated remaining funds due at closing
$181,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,936.03
Your down payment$171,936.03
Closing costs + prepaids$9,901.27
Total buyer cash needed$181,837.31
Remaining funds due$181,837.31
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%)$635.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.50
Prepaid interest, first (26 days)$310.45
Fees + prepaids$9,901.27
Your down payment is the seller’s equity. You take over the $127,064 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $181,837.31 is due at closing. Uses and sources reconcile at $308,901.27 each. Not a Closing Disclosure.