Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$153,004Cash toward the purchase price.
Closing costs + prepaids$10,603Not just lender fees.
Before credits & paid funds$163,607The complete starting cash picture.
Estimated remaining funds due at closing
$163,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,004.20
Your down payment$153,004.20
Closing costs + prepaids$10,602.87
Total buyer cash needed$163,607.08
Remaining funds due$163,607.08
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%)$2,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$734.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,328.25
Prepaid interest, first (22 days)$322.40
Fees + prepaids$10,602.87
Your down payment is the seller’s equity. You take over the $146,946 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $163,607.08 is due at closing. Uses and sources reconcile at $310,552.87 each. Not a Closing Disclosure.