Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$139,324Cash toward the purchase price.
Closing costs + prepaids$9,602Not just lender fees.
Before credits & paid funds$148,926The complete starting cash picture.
Estimated remaining funds due at closing
$148,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,324.30
Your down payment$139,324.30
Closing costs + prepaids$9,601.85
Total buyer cash needed$148,926.15
Remaining funds due$148,926.15
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%)$802.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$223.25
Prepaid interest, first (27 days)$358.72
Fees + prepaids$9,601.85
Your down payment is the seller’s equity. You take over the $160,576 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $148,926.15 is due at closing. Uses and sources reconcile at $309,501.85 each. Not a Closing Disclosure.