Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$101,892Cash toward the purchase price.
Closing costs + prepaids$10,875Not just lender fees.
Before credits & paid funds$112,767The complete starting cash picture.
Estimated remaining funds due at closing
$112,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,891.55
Your down payment$101,891.55
Closing costs + prepaids$10,875.06
Total buyer cash needed$112,766.61
Remaining funds due$112,766.61
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%)$990.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$730.25
Prepaid interest, first (25 days)$936.27
Fees + prepaids$10,875.06
Your down payment is the seller’s equity. You take over the $198,108 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $112,766.61 is due at closing. Uses and sources reconcile at $310,875.06 each. Not a Closing Disclosure.