Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$148,624Cash toward the purchase price.
Closing costs + prepaids$9,311Not just lender fees.
Before credits & paid funds$157,935The complete starting cash picture.
Estimated remaining funds due at closing
$157,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,623.67
Your down payment$148,623.67
Closing costs + prepaids$9,311.19
Total buyer cash needed$157,934.86
Remaining funds due$157,934.86
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%)$706.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$137.75
Prepaid interest, first (28 days)$350.06
Fees + prepaids$9,311.19
Your down payment is the seller’s equity. You take over the $141,276 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $157,934.86 is due at closing. Uses and sources reconcile at $299,211.19 each. Not a Closing Disclosure.