Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$137,877Cash toward the purchase price.
Closing costs + prepaids$9,916Not just lender fees.
Before credits & paid funds$147,794The complete starting cash picture.
Estimated remaining funds due at closing
$147,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,877.37
Your down payment$137,877.37
Closing costs + prepaids$9,916.41
Total buyer cash needed$147,793.78
Remaining funds due$147,793.78
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%)$835.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.25
Initial HOA (3 months)$225.00
Prepaid interest, first (13 days)$206.55
Fees + prepaids$9,916.41
Your down payment is the seller’s equity. You take over the $167,123 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $147,793.78 is due at closing. Uses and sources reconcile at $314,916.41 each. Not a Closing Disclosure.