Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$188,246Cash toward the purchase price.
Closing costs + prepaids$9,826Not just lender fees.
Before credits & paid funds$198,073The complete starting cash picture.
Estimated remaining funds due at closing
$198,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,246.45
Your down payment$188,246.45
Closing costs + prepaids$9,826.36
Total buyer cash needed$198,072.80
Remaining funds due$198,072.80
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$558.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$509.25
Initial HOA (3 months)$345.00
Prepaid interest, first (22 days)$195.34
Fees + prepaids$9,826.36
Your down payment is the seller’s equity. You take over the $111,754 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $198,072.80 is due at closing. Uses and sources reconcile at $309,826.36 each. Not a Closing Disclosure.