Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$179,835Cash toward the purchase price.
Closing costs + prepaids$10,834Not just lender fees.
Before credits & paid funds$190,669The complete starting cash picture.
Estimated remaining funds due at closing
$190,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,835.19
Your down payment$179,835.19
Closing costs + prepaids$10,833.64
Total buyer cash needed$190,668.83
Remaining funds due$190,668.83
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%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$575.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,763.25
Prepaid interest, first (30 days)$326.56
Fees + prepaids$10,833.64
Your down payment is the seller’s equity. You take over the $115,165 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $190,668.83 is due at closing. Uses and sources reconcile at $305,833.64 each. Not a Closing Disclosure.