Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$166,628Cash toward the purchase price.
Closing costs + prepaids$9,571Not just lender fees.
Before credits & paid funds$176,200The complete starting cash picture.
Estimated remaining funds due at closing
$176,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,628.37
Your down payment$166,628.37
Closing costs + prepaids$9,571.20
Total buyer cash needed$176,199.56
Remaining funds due$176,199.56
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%)$666.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$345.75
Prepaid interest, first (27 days)$342.09
Fees + prepaids$9,571.20
Your down payment is the seller’s equity. You take over the $133,272 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $176,199.56 is due at closing. Uses and sources reconcile at $309,471.20 each. Not a Closing Disclosure.