Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$164,699Cash toward the purchase price.
Closing costs + prepaids$9,319Not just lender fees.
Before credits & paid funds$174,017The complete starting cash picture.
Estimated remaining funds due at closing
$174,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,698.88
Your down payment$164,698.88
Closing costs + prepaids$9,318.50
Total buyer cash needed$174,017.38
Remaining funds due$174,017.38
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%)$671.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.50
Prepaid interest, first (2 days)$31.50
Fees + prepaids$9,318.50
Your down payment is the seller’s equity. You take over the $134,301 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $174,017.38 is due at closing. Uses and sources reconcile at $308,318.50 each. Not a Closing Disclosure.