Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$196,986Cash toward the purchase price.
Closing costs + prepaids$9,281Not just lender fees.
Before credits & paid funds$206,267The complete starting cash picture.
Estimated remaining funds due at closing
$206,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,986.02
Your down payment$196,986.02
Closing costs + prepaids$9,280.64
Total buyer cash needed$206,266.66
Remaining funds due$206,266.66
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$515.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.00
Prepaid interest, first (19 days)$215.57
Fees + prepaids$9,280.64
Your down payment is the seller’s equity. You take over the $103,014 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $206,266.66 is due at closing. Uses and sources reconcile at $309,280.64 each. Not a Closing Disclosure.