Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$136,871Cash toward the purchase price.
Closing costs + prepaids$9,832Not just lender fees.
Before credits & paid funds$146,703The complete starting cash picture.
Estimated remaining funds due at closing
$146,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,871.06
Your down payment$136,871.06
Closing costs + prepaids$9,831.70
Total buyer cash needed$146,702.76
Remaining funds due$146,702.76
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%)$765.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.25
Prepaid interest, first (28 days)$427.31
Fees + prepaids$9,831.70
Your down payment is the seller’s equity. You take over the $153,029 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $146,702.76 is due at closing. Uses and sources reconcile at $299,731.70 each. Not a Closing Disclosure.