Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$185,708Cash toward the purchase price.
Closing costs + prepaids$9,955Not just lender fees.
Before credits & paid funds$195,664The complete starting cash picture.
Estimated remaining funds due at closing
$195,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,708.18
Your down payment$185,708.18
Closing costs + prepaids$9,955.42
Total buyer cash needed$195,663.60
Remaining funds due$195,663.60
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$596.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$762.50
Prepaid interest, first (30 days)$328.46
Fees + prepaids$9,955.42
Your down payment is the seller’s equity. You take over the $119,292 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $195,663.60 is due at closing. Uses and sources reconcile at $314,955.42 each. Not a Closing Disclosure.