Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$161,795Cash toward the purchase price.
Closing costs + prepaids$9,436Not just lender fees.
Before credits & paid funds$171,231The complete starting cash picture.
Estimated remaining funds due at closing
$171,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,795.35
Your down payment$161,795.35
Closing costs + prepaids$9,436.15
Total buyer cash needed$171,231.50
Remaining funds due$171,231.50
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$691.02
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)$152.14
Fees + prepaids$9,436.15
Your down payment is the seller’s equity. You take over the $138,204 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $171,231.50 is due at closing. Uses and sources reconcile at $309,435.15 each. Not a Closing Disclosure.