Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$186,148Cash toward the purchase price.
Closing costs + prepaids$9,062Not just lender fees.
Before credits & paid funds$195,210The complete starting cash picture.
Estimated remaining funds due at closing
$195,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,148.44
Your down payment$186,148.44
Closing costs + prepaids$9,061.76
Total buyer cash needed$195,210.20
Remaining funds due$195,210.20
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%)$519.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.50
Prepaid interest, first (23 days)$178.00
Fees + prepaids$9,061.76
Your down payment is the seller’s equity. You take over the $103,852 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $195,210.20 is due at closing. Uses and sources reconcile at $299,061.76 each. Not a Closing Disclosure.