Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$148,624Cash toward the purchase price.
Closing costs + prepaids$9,411Not just lender fees.
Before credits & paid funds$158,035The complete starting cash picture.
Estimated remaining funds due at closing
$158,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,623.67
Your down payment$148,623.67
Closing costs + prepaids$9,410.92
Total buyer cash needed$158,034.59
Remaining funds due$158,034.59
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%)$706.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.50
Prepaid interest, first (18 days)$225.04
Fees + prepaids$9,410.92
Your down payment is the seller’s equity. You take over the $141,276 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $158,034.59 is due at closing. Uses and sources reconcile at $299,310.92 each. Not a Closing Disclosure.