Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$150,895Cash toward the purchase price.
Closing costs + prepaids$9,836Not just lender fees.
Before credits & paid funds$160,731The complete starting cash picture.
Estimated remaining funds due at closing
$160,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,895.16
Your down payment$150,895.16
Closing costs + prepaids$9,836.31
Total buyer cash needed$160,731.46
Remaining funds due$160,731.46
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%)$695.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$724.75
Initial HOA (3 months)$50.01
Prepaid interest, first (18 days)$249.52
Fees + prepaids$9,836.31
Your down payment is the seller’s equity. You take over the $139,005 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $160,731.46 is due at closing. Uses and sources reconcile at $299,736.31 each. Not a Closing Disclosure.