Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$205,227Cash toward the purchase price.
Closing costs + prepaids$8,968Not just lender fees.
Before credits & paid funds$214,195The complete starting cash picture.
Estimated remaining funds due at closing
$214,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,226.72
Your down payment$205,226.72
Closing costs + prepaids$8,967.85
Total buyer cash needed$214,194.57
Remaining funds due$214,194.57
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$468.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.25
Prepaid interest, first (2 days)$19.73
Fees + prepaids$8,967.85
Your down payment is the seller’s equity. You take over the $93,773 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $214,194.57 is due at closing. Uses and sources reconcile at $307,967.85 each. Not a Closing Disclosure.