Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,127Cash toward the purchase price.
Closing costs + prepaids$9,838Not just lender fees.
Before credits & paid funds$177,965The complete starting cash picture.
Estimated remaining funds due at closing
$177,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,127.04
Your down payment$168,127.04
Closing costs + prepaids$9,838.10
Total buyer cash needed$177,965.13
Remaining funds due$177,965.13
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%)$658.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$377.00
Initial HOA (3 months)$198.00
Prepaid interest, first (31 days)$387.23
Fees + prepaids$9,838.10
Your down payment is the seller’s equity. You take over the $131,773 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $177,965.13 is due at closing. Uses and sources reconcile at $309,738.10 each. Not a Closing Disclosure.