Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$149,073Cash toward the purchase price.
Closing costs + prepaids$10,620Not just lender fees.
Before credits & paid funds$159,693The complete starting cash picture.
Estimated remaining funds due at closing
$159,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,073.48
Your down payment$149,073.48
Closing costs + prepaids$10,619.53
Total buyer cash needed$159,693.00
Remaining funds due$159,693.00
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%)$749.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,031.75
Prepaid interest, first (23 days)$630.14
Fees + prepaids$10,619.53
Your down payment is the seller’s equity. You take over the $149,927 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $159,693.00 is due at closing. Uses and sources reconcile at $309,619.53 each. Not a Closing Disclosure.