Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$144,026Cash toward the purchase price.
Closing costs + prepaids$9,473Not just lender fees.
Before credits & paid funds$153,499The complete starting cash picture.
Estimated remaining funds due at closing
$153,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,026.43
Your down payment$144,026.43
Closing costs + prepaids$9,472.53
Total buyer cash needed$153,498.96
Remaining funds due$153,498.96
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%)$729.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$187.50
Prepaid interest, first (28 days)$438.66
Fees + prepaids$9,472.53
Your down payment is the seller’s equity. You take over the $145,874 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $153,498.96 is due at closing. Uses and sources reconcile at $299,372.53 each. Not a Closing Disclosure.