Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$213,944Cash toward the purchase price.
Closing costs + prepaids$8,815Not just lender fees.
Before credits & paid funds$222,759The complete starting cash picture.
Estimated remaining funds due at closing
$222,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,944.15
Your down payment$213,944.15
Closing costs + prepaids$8,815.17
Total buyer cash needed$222,759.33
Remaining funds due$222,759.33
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%)$2,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$377.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$146.00
Prepaid interest, first (31 days)$178.39
Fees + prepaids$8,815.17
Your down payment is the seller’s equity. You take over the $75,556 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $222,759.33 is due at closing. Uses and sources reconcile at $298,315.17 each. Not a Closing Disclosure.