Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$118,351Cash toward the purchase price.
Closing costs + prepaids$10,478Not just lender fees.
Before credits & paid funds$128,829The complete starting cash picture.
Estimated remaining funds due at closing
$128,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,350.61
Your down payment$118,350.61
Closing costs + prepaids$10,478.37
Total buyer cash needed$128,828.97
Remaining funds due$128,828.97
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$832.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,162.75
Prepaid interest, first (31 days)$415.87
Fees + prepaids$10,478.37
Your down payment is the seller’s equity. You take over the $166,549 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $128,828.97 is due at closing. Uses and sources reconcile at $295,378.37 each. Not a Closing Disclosure.