Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$104,884Cash toward the purchase price.
Closing costs + prepaids$9,632Not just lender fees.
Before credits & paid funds$114,517The complete starting cash picture.
Estimated remaining funds due at closing
$114,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,884.16
Your down payment$104,884.16
Closing costs + prepaids$9,632.48
Total buyer cash needed$114,516.63
Remaining funds due$114,516.63
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%)$925.08
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 (16 days)$227.90
Fees + prepaids$9,632.48
Your down payment is the seller’s equity. You take over the $185,016 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $114,516.63 is due at closing. Uses and sources reconcile at $299,532.48 each. Not a Closing Disclosure.