Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$122,995Cash toward the purchase price.
Closing costs + prepaids$9,878Not just lender fees.
Before credits & paid funds$132,872The complete starting cash picture.
Estimated remaining funds due at closing
$132,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,994.79
Your down payment$122,994.79
Closing costs + prepaids$9,877.55
Total buyer cash needed$132,872.34
Remaining funds due$132,872.34
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%)$3,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$930.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$386.25
Prepaid interest, first (14 days)$253.27
Fees + prepaids$9,877.55
Your down payment is the seller’s equity. You take over the $186,005 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $132,872.34 is due at closing. Uses and sources reconcile at $318,877.55 each. Not a Closing Disclosure.