Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$191,842Cash toward the purchase price.
Closing costs + prepaids$9,131Not just lender fees.
Before credits & paid funds$200,972The complete starting cash picture.
Estimated remaining funds due at closing
$200,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,841.71
Your down payment$191,841.71
Closing costs + prepaids$9,130.59
Total buyer cash needed$200,972.30
Remaining funds due$200,972.30
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%)$490.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$338.25
Prepaid interest, first (24 days)$185.05
Fees + prepaids$9,130.59
Your down payment is the seller’s equity. You take over the $98,058 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $200,972.30 is due at closing. Uses and sources reconcile at $299,030.59 each. Not a Closing Disclosure.