Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$151,381Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$162,360The complete starting cash picture.
Estimated remaining funds due at closing
$162,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,381.07
Your down payment$151,381.07
Closing costs + prepaids$10,978.72
Total buyer cash needed$162,359.79
Remaining funds due$162,359.79
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%)$743.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,999.75
Prepaid interest, first (1 days)$17.87
Fees + prepaids$10,978.72
Your down payment is the seller’s equity. You take over the $148,619 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $162,359.79 is due at closing. Uses and sources reconcile at $310,978.72 each. Not a Closing Disclosure.