Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$145,125Cash toward the purchase price.
Closing costs + prepaids$9,384Not just lender fees.
Before credits & paid funds$154,509The complete starting cash picture.
Estimated remaining funds due at closing
$154,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,124.70
Your down payment$145,124.70
Closing costs + prepaids$9,384.25
Total buyer cash needed$154,508.95
Remaining funds due$154,508.95
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$673.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$677.50
Prepaid interest, first (2 days)$15.88
Fees + prepaids$9,384.25
Your down payment is the seller’s equity. You take over the $134,775 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $154,508.95 is due at closing. Uses and sources reconcile at $289,284.25 each. Not a Closing Disclosure.