Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$126,772Cash toward the purchase price.
Closing costs + prepaids$10,170Not just lender fees.
Before credits & paid funds$136,942The complete starting cash picture.
Estimated remaining funds due at closing
$136,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,771.94
Your down payment$126,771.94
Closing costs + prepaids$10,170.36
Total buyer cash needed$136,942.30
Remaining funds due$136,942.30
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%)$865.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$496.00
Prepaid interest, first (25 days)$591.72
Fees + prepaids$10,170.36
Your down payment is the seller’s equity. You take over the $173,128 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $136,942.30 is due at closing. Uses and sources reconcile at $310,070.36 each. Not a Closing Disclosure.