Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$104,884Cash toward the purchase price.
Closing costs + prepaids$9,966Not just lender fees.
Before credits & paid funds$114,850The complete starting cash picture.
Estimated remaining funds due at closing
$114,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,884.16
Your down payment$104,884.16
Closing costs + prepaids$9,965.66
Total buyer cash needed$114,849.82
Remaining funds due$114,849.82
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%)$925.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$539.00
Prepaid interest, first (27 days)$384.58
Fees + prepaids$9,965.66
Your down payment is the seller’s equity. You take over the $185,016 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $114,849.82 is due at closing. Uses and sources reconcile at $299,865.66 each. Not a Closing Disclosure.