Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$143,382Cash toward the purchase price.
Closing costs + prepaids$9,687Not just lender fees.
Before credits & paid funds$153,068The complete starting cash picture.
Estimated remaining funds due at closing
$153,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,381.79
Your down payment$143,381.79
Closing costs + prepaids$9,686.64
Total buyer cash needed$153,068.43
Remaining funds due$153,068.43
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%)$728.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$380.75
Initial HOA (3 months)$195.00
Prepaid interest, first (24 days)$274.80
Fees + prepaids$9,686.64
Your down payment is the seller’s equity. You take over the $145,618 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $153,068.43 is due at closing. Uses and sources reconcile at $298,686.64 each. Not a Closing Disclosure.