Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$197,864Cash toward the purchase price.
Closing costs + prepaids$9,537Not just lender fees.
Before credits & paid funds$207,401The complete starting cash picture.
Estimated remaining funds due at closing
$207,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,863.55
Your down payment$197,863.55
Closing costs + prepaids$9,537.24
Total buyer cash needed$207,400.79
Remaining funds due$207,400.79
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$510.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.25
Prepaid interest, first (26 days)$319.81
Fees + prepaids$9,537.24
Your down payment is the seller’s equity. You take over the $102,036 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $207,400.79 is due at closing. Uses and sources reconcile at $309,437.24 each. Not a Closing Disclosure.