Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$163,833Cash toward the purchase price.
Closing costs + prepaids$10,810Not just lender fees.
Before credits & paid funds$174,643The complete starting cash picture.
Estimated remaining funds due at closing
$174,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,833.15
Your down payment$163,833.15
Closing costs + prepaids$10,809.70
Total buyer cash needed$174,642.86
Remaining funds due$174,642.86
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%)$628.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,638.00
Prepaid interest, first (25 days)$430.37
Fees + prepaids$10,809.70
Your down payment is the seller’s equity. You take over the $125,667 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $174,642.86 is due at closing. Uses and sources reconcile at $300,309.70 each. Not a Closing Disclosure.