Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$170,748Cash toward the purchase price.
Closing costs + prepaids$9,329Not just lender fees.
Before credits & paid funds$180,076The complete starting cash picture.
Estimated remaining funds due at closing
$180,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,747.69
Your down payment$170,747.69
Closing costs + prepaids$9,328.66
Total buyer cash needed$180,076.35
Remaining funds due$180,076.35
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$591.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$286.50
Prepaid interest, first (27 days)$342.90
Fees + prepaids$9,328.66
Your down payment is the seller’s equity. You take over the $118,252 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $180,076.35 is due at closing. Uses and sources reconcile at $298,328.66 each. Not a Closing Disclosure.