Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$147,185Cash toward the purchase price.
Closing costs + prepaids$9,837Not just lender fees.
Before credits & paid funds$157,022The complete starting cash picture.
Estimated remaining funds due at closing
$157,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,184.94
Your down payment$147,184.94
Closing costs + prepaids$9,837.21
Total buyer cash needed$157,022.15
Remaining funds due$157,022.15
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$714.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$605.25
Prepaid interest, first (28 days)$399.88
Fees + prepaids$9,837.21
Your down payment is the seller’s equity. You take over the $142,815 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $157,022.15 is due at closing. Uses and sources reconcile at $299,837.21 each. Not a Closing Disclosure.