Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$162,394Cash toward the purchase price.
Closing costs + prepaids$9,533Not just lender fees.
Before credits & paid funds$171,928The complete starting cash picture.
Estimated remaining funds due at closing
$171,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,394.49
Your down payment$162,394.49
Closing costs + prepaids$9,533.31
Total buyer cash needed$171,927.80
Remaining funds due$171,927.80
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$662.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$409.00
Prepaid interest, first (28 days)$294.78
Fees + prepaids$9,533.31
Your down payment is the seller’s equity. You take over the $132,506 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $171,927.80 is due at closing. Uses and sources reconcile at $304,433.31 each. Not a Closing Disclosure.