Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$174,131Cash toward the purchase price.
Closing costs + prepaids$9,138Not just lender fees.
Before credits & paid funds$183,270The complete starting cash picture.
Estimated remaining funds due at closing
$183,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,131.31
Your down payment$174,131.31
Closing costs + prepaids$9,138.43
Total buyer cash needed$183,269.75
Remaining funds due$183,269.75
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$578.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$203.25
Prepaid interest, first (22 days)$239.34
Fees + prepaids$9,138.43
Your down payment is the seller’s equity. You take over the $115,769 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $183,269.75 is due at closing. Uses and sources reconcile at $299,038.43 each. Not a Closing Disclosure.