Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$153,004Cash toward the purchase price.
Closing costs + prepaids$10,720Not just lender fees.
Before credits & paid funds$163,724The complete starting cash picture.
Estimated remaining funds due at closing
$163,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,004.20
Your down payment$153,004.20
Closing costs + prepaids$10,720.11
Total buyer cash needed$163,724.31
Remaining funds due$163,724.31
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%)$2,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$734.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,328.25
Prepaid interest, first (30 days)$439.63
Fees + prepaids$10,720.11
Your down payment is the seller’s equity. You take over the $146,946 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $163,724.31 is due at closing. Uses and sources reconcile at $310,670.11 each. Not a Closing Disclosure.