Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$122,899Cash toward the purchase price.
Closing costs + prepaids$10,842Not just lender fees.
Before credits & paid funds$133,740The complete starting cash picture.
Estimated remaining funds due at closing
$133,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,898.84
Your down payment$122,898.84
Closing costs + prepaids$10,841.59
Total buyer cash needed$133,740.42
Remaining funds due$133,740.42
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$935.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$807.25
Prepaid interest, first (30 days)$782.33
Fees + prepaids$10,841.59
Your down payment is the seller’s equity. You take over the $187,001 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $133,740.42 is due at closing. Uses and sources reconcile at $320,741.59 each. Not a Closing Disclosure.