Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$181,829Cash toward the purchase price.
Closing costs + prepaids$9,063Not just lender fees.
Before credits & paid funds$190,892The complete starting cash picture.
Estimated remaining funds due at closing
$190,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,828.80
Your down payment$181,828.80
Closing costs + prepaids$9,062.99
Total buyer cash needed$190,891.79
Remaining funds due$190,891.79
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$565.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$317.00
Prepaid interest, first (2 days)$13.63
Fees + prepaids$9,062.99
Your down payment is the seller’s equity. You take over the $113,071 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $190,891.79 is due at closing. Uses and sources reconcile at $303,962.99 each. Not a Closing Disclosure.