Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$176,217Cash toward the purchase price.
Closing costs + prepaids$9,890Not just lender fees.
Before credits & paid funds$186,107The complete starting cash picture.
Estimated remaining funds due at closing
$186,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,217.18
Your down payment$176,217.18
Closing costs + prepaids$9,890.28
Total buyer cash needed$186,107.45
Remaining funds due$186,107.45
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%)$2,960.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$598.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$740.00
Prepaid interest, first (31 days)$373.36
Fees + prepaids$9,890.28
Your down payment is the seller’s equity. You take over the $119,783 balance, so the rest of the $296,000 price is paid at closing. A second mortgage can cover part of it. $186,107.45 is due at closing. Uses and sources reconcile at $305,890.28 each. Not a Closing Disclosure.