Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$85,711Cash toward the purchase price.
Closing costs + prepaids$9,857Not just lender fees.
Before credits & paid funds$95,567The complete starting cash picture.
Estimated remaining funds due at closing
$95,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,710.61
Your down payment$85,710.61
Closing costs + prepaids$9,856.83
Total buyer cash needed$95,567.45
Remaining funds due$95,567.45
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,070.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Prepaid interest, first (14 days)$193.89
Fees + prepaids$9,856.83
Your down payment is the seller’s equity. You take over the $214,189 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $95,567.45 is due at closing. Uses and sources reconcile at $309,756.83 each. Not a Closing Disclosure.