Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$199,389Cash toward the purchase price.
Closing costs + prepaids$9,268Not just lender fees.
Before credits & paid funds$208,658The complete starting cash picture.
Estimated remaining funds due at closing
$208,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,389.47
Your down payment$199,389.47
Closing costs + prepaids$9,268.23
Total buyer cash needed$208,657.70
Remaining funds due$208,657.70
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%)$502.55
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 (17 days)$173.68
Fees + prepaids$9,268.23
Your down payment is the seller’s equity. You take over the $100,511 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $208,657.70 is due at closing. Uses and sources reconcile at $309,168.23 each. Not a Closing Disclosure.