Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$162,792Cash toward the purchase price.
Closing costs + prepaids$9,578Not just lender fees.
Before credits & paid funds$172,370The complete starting cash picture.
Estimated remaining funds due at closing
$172,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,792.03
Your down payment$162,792.03
Closing costs + prepaids$9,578.02
Total buyer cash needed$172,370.06
Remaining funds due$172,370.06
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%)$635.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$574.75
Prepaid interest, first (25 days)$250.73
Fees + prepaids$9,578.02
Your down payment is the seller’s equity. You take over the $127,108 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $172,370.06 is due at closing. Uses and sources reconcile at $299,478.02 each. Not a Closing Disclosure.