Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$205,512Cash toward the purchase price.
Closing costs + prepaids$9,252Not just lender fees.
Before credits & paid funds$214,764The complete starting cash picture.
Estimated remaining funds due at closing
$214,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,511.94
Your down payment$205,511.94
Closing costs + prepaids$9,251.59
Total buyer cash needed$214,763.53
Remaining funds due$214,763.53
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$467.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.25
Prepaid interest, first (31 days)$304.90
Fees + prepaids$9,251.59
Your down payment is the seller’s equity. You take over the $93,488 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $214,763.53 is due at closing. Uses and sources reconcile at $308,251.59 each. Not a Closing Disclosure.