Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,385Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$120,147The complete starting cash picture.
Estimated remaining funds due at closing
$120,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,385.24
Your down payment$109,385.24
Closing costs + prepaids$10,761.46
Total buyer cash needed$120,146.70
Remaining funds due$120,146.70
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$898.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$805.25
Initial HOA (3 months)$420.00
Prepaid interest, first (27 days)$530.13
Fees + prepaids$10,761.46
Your down payment is the seller’s equity. You take over the $179,615 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $120,146.70 is due at closing. Uses and sources reconcile at $299,761.46 each. Not a Closing Disclosure.