Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$122,836Cash toward the purchase price.
Closing costs + prepaids$9,952Not just lender fees.
Before credits & paid funds$132,787The complete starting cash picture.
Estimated remaining funds due at closing
$132,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,835.64
Your down payment$122,835.64
Closing costs + prepaids$9,951.86
Total buyer cash needed$132,787.50
Remaining funds due$132,787.50
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%)$2,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$835.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$725.00
Prepaid interest, first (22 days)$273.05
Fees + prepaids$9,951.86
Your down payment is the seller’s equity. You take over the $167,163 balance, so the rest of the $289,999 price is paid at closing. A second mortgage can cover part of it. $132,787.50 is due at closing. Uses and sources reconcile at $299,950.86 each. Not a Closing Disclosure.