Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$131,366Cash toward the purchase price.
Closing costs + prepaids$9,643Not just lender fees.
Before credits & paid funds$141,009The complete starting cash picture.
Estimated remaining funds due at closing
$141,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,366.34
Your down payment$131,366.34
Closing costs + prepaids$9,642.97
Total buyer cash needed$141,009.31
Remaining funds due$141,009.31
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%)$842.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$237.00
Prepaid interest, first (30 days)$346.30
Fees + prepaids$9,642.97
Your down payment is the seller’s equity. You take over the $168,534 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $141,009.31 is due at closing. Uses and sources reconcile at $309,542.97 each. Not a Closing Disclosure.