Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$134,863Cash toward the purchase price.
Closing costs + prepaids$10,922Not just lender fees.
Before credits & paid funds$145,785The complete starting cash picture.
Estimated remaining funds due at closing
$145,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,862.51
Your down payment$134,862.51
Closing costs + prepaids$10,922.37
Total buyer cash needed$145,784.87
Remaining funds due$145,784.87
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%)$2,910.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$780.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,750.00
Prepaid interest, first (23 days)$263.68
Fees + prepaids$10,922.37
Your down payment is the seller’s equity. You take over the $156,137 balance, so the rest of the $291,000 price is paid at closing. A second mortgage can cover part of it. $145,784.87 is due at closing. Uses and sources reconcile at $301,922.37 each. Not a Closing Disclosure.