Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$134,484Cash toward the purchase price.
Closing costs + prepaids$10,684Not just lender fees.
Before credits & paid funds$145,167The complete starting cash picture.
Estimated remaining funds due at closing
$145,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,483.60
Your down payment$134,483.60
Closing costs + prepaids$10,683.57
Total buyer cash needed$145,167.16
Remaining funds due$145,167.16
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%)$2,910.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$782.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,750.00
Prepaid interest, first (2 days)$22.98
Fees + prepaids$10,683.57
Your down payment is the seller’s equity. You take over the $156,516 balance, so the rest of the $291,000 price is paid at closing. A second mortgage can cover part of it. $145,167.16 is due at closing. Uses and sources reconcile at $301,683.57 each. Not a Closing Disclosure.