Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$132,026Cash toward the purchase price.
Closing costs + prepaids$9,836Not just lender fees.
Before credits & paid funds$141,862The complete starting cash picture.
Estimated remaining funds due at closing
$141,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,025.65
Your down payment$132,025.65
Closing costs + prepaids$9,836.24
Total buyer cash needed$141,861.89
Remaining funds due$141,861.89
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%)$2,909.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$794.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$338.50
Initial HOA (3 months)$182.01
Prepaid interest, first (30 days)$394.36
Fees + prepaids$9,836.24
Your down payment is the seller’s equity. You take over the $158,874 balance, so the rest of the $290,900 price is paid at closing. A second mortgage can cover part of it. $141,861.89 is due at closing. Uses and sources reconcile at $300,736.24 each. Not a Closing Disclosure.