Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$122,836Cash toward the purchase price.
Closing costs + prepaids$10,051Not just lender fees.
Before credits & paid funds$132,887The complete starting cash picture.
Estimated remaining funds due at closing
$132,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,835.64
Your down payment$122,835.64
Closing costs + prepaids$10,051.15
Total buyer cash needed$132,886.79
Remaining funds due$132,886.79
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%)$2,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$835.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$725.00
Prepaid interest, first (30 days)$372.34
Fees + prepaids$10,051.15
Your down payment is the seller’s equity. You take over the $167,163 balance, so the rest of the $289,999 price is paid at closing. A second mortgage can cover part of it. $132,886.79 is due at closing. Uses and sources reconcile at $300,050.15 each. Not a Closing Disclosure.