Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$182,382Cash toward the purchase price.
Closing costs + prepaids$9,615Not just lender fees.
Before credits & paid funds$191,997The complete starting cash picture.
Estimated remaining funds due at closing
$191,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,382.17
Your down payment$182,382.17
Closing costs + prepaids$9,614.95
Total buyer cash needed$191,997.12
Remaining funds due$191,997.12
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%)$533.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$534.50
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$349.36
Fees + prepaids$9,614.95
Your down payment is the seller’s equity. You take over the $106,618 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $191,997.12 is due at closing. Uses and sources reconcile at $298,614.95 each. Not a Closing Disclosure.