Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$117,664Cash toward the purchase price.
Closing costs + prepaids$10,279Not just lender fees.
Before credits & paid funds$127,943The complete starting cash picture.
Estimated remaining funds due at closing
$127,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,663.71
Your down payment$117,663.71
Closing costs + prepaids$10,279.44
Total buyer cash needed$127,943.14
Remaining funds due$127,943.14
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%)$2,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$859.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$723.75
Initial HOA (3 months)$105.00
Prepaid interest, first (22 days)$478.51
Fees + prepaids$10,279.44
Your down payment is the seller’s equity. You take over the $171,836 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $127,943.14 is due at closing. Uses and sources reconcile at $299,779.44 each. Not a Closing Disclosure.