Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$115,559Cash toward the purchase price.
Closing costs + prepaids$10,253Not just lender fees.
Before credits & paid funds$125,812The complete starting cash picture.
Estimated remaining funds due at closing
$125,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,559.01
Your down payment$115,559.01
Closing costs + prepaids$10,253.37
Total buyer cash needed$125,812.37
Remaining funds due$125,812.37
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$867.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,236.25
Prepaid interest, first (2 days)$41.91
Fees + prepaids$10,253.37
Your down payment is the seller’s equity. You take over the $173,441 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $125,812.37 is due at closing. Uses and sources reconcile at $299,253.37 each. Not a Closing Disclosure.