Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$107,212Cash toward the purchase price.
Closing costs + prepaids$10,202Not just lender fees.
Before credits & paid funds$117,413The complete starting cash picture.
Estimated remaining funds due at closing
$117,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,211.97
Your down payment$107,211.97
Closing costs + prepaids$10,201.52
Total buyer cash needed$117,413.49
Remaining funds due$117,413.49
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$913.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$848.75
Prepaid interest, first (23 days)$322.33
Fees + prepaids$10,201.52
Your down payment is the seller’s equity. You take over the $182,688 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $117,413.49 is due at closing. Uses and sources reconcile at $300,101.52 each. Not a Closing Disclosure.