Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$202,642Cash toward the purchase price.
Closing costs + prepaids$9,117Not just lender fees.
Before credits & paid funds$211,759The complete starting cash picture.
Estimated remaining funds due at closing
$211,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,641.51
Your down payment$202,641.51
Closing costs + prepaids$9,117.49
Total buyer cash needed$211,759.00
Remaining funds due$211,759.00
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%)$431.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$309.75
Prepaid interest, first (25 days)$267.95
Fees + prepaids$9,117.49
Your down payment is the seller’s equity. You take over the $86,358 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $211,759.00 is due at closing. Uses and sources reconcile at $298,117.49 each. Not a Closing Disclosure.