Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$182,153Cash toward the purchase price.
Closing costs + prepaids$9,240Not just lender fees.
Before credits & paid funds$191,394The complete starting cash picture.
Estimated remaining funds due at closing
$191,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,153.30
Your down payment$182,153.30
Closing costs + prepaids$9,240.48
Total buyer cash needed$191,393.78
Remaining funds due$191,393.78
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$563.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$317.00
Prepaid interest, first (26 days)$192.75
Fees + prepaids$9,240.48
Your down payment is the seller’s equity. You take over the $112,747 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $191,393.78 is due at closing. Uses and sources reconcile at $304,140.48 each. Not a Closing Disclosure.