Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$230,363Cash toward the purchase price.
Closing costs + prepaids$9,085Not just lender fees.
Before credits & paid funds$239,448The complete starting cash picture.
Estimated remaining funds due at closing
$239,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,363.08
Your down payment$230,363.08
Closing costs + prepaids$9,084.83
Total buyer cash needed$239,447.91
Remaining funds due$239,447.91
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$298.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.50
Prepaid interest, first (23 days)$128.15
Fees + prepaids$9,084.83
Your down payment is the seller’s equity. You take over the $59,637 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $239,447.91 is due at closing. Uses and sources reconcile at $299,084.83 each. Not a Closing Disclosure.