Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$173,420Cash toward the purchase price.
Closing costs + prepaids$9,991Not just lender fees.
Before credits & paid funds$183,411The complete starting cash picture.
Estimated remaining funds due at closing
$183,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,420.29
Your down payment$173,420.29
Closing costs + prepaids$9,990.97
Total buyer cash needed$183,411.26
Remaining funds due$183,411.26
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%)$2,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$572.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$720.00
Initial HOA (3 months)$390.00
Prepaid interest, first (28 days)$210.07
Fees + prepaids$9,990.97
Your down payment is the seller’s equity. You take over the $114,580 balance, so the rest of the $288,000 price is paid at closing. A second mortgage can cover part of it. $183,411.26 is due at closing. Uses and sources reconcile at $297,990.97 each. Not a Closing Disclosure.