Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$113,917Cash toward the purchase price.
Closing costs + prepaids$10,564Not just lender fees.
Before credits & paid funds$124,481The complete starting cash picture.
Estimated remaining funds due at closing
$124,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,916.72
Your down payment$113,916.72
Closing costs + prepaids$10,564.27
Total buyer cash needed$124,480.99
Remaining funds due$124,480.99
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%)$929.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$554.75
Prepaid interest, first (27 days)$862.61
Fees + prepaids$10,564.27
Your down payment is the seller’s equity. You take over the $185,983 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $124,480.99 is due at closing. Uses and sources reconcile at $310,464.27 each. Not a Closing Disclosure.