Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$196,862Cash toward the purchase price.
Closing costs + prepaids$9,536Not just lender fees.
Before credits & paid funds$206,398The complete starting cash picture.
Estimated remaining funds due at closing
$206,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,861.81
Your down payment$196,861.81
Closing costs + prepaids$9,535.86
Total buyer cash needed$206,397.67
Remaining funds due$206,397.67
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%)$515.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$451.00
Prepaid interest, first (31 days)$352.67
Fees + prepaids$9,535.86
Your down payment is the seller’s equity. You take over the $103,038 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $206,397.67 is due at closing. Uses and sources reconcile at $309,435.86 each. Not a Closing Disclosure.