Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$182,293Cash toward the purchase price.
Closing costs + prepaids$8,023Not just lender fees.
Before credits & paid funds$190,316The complete starting cash picture.
Estimated remaining funds due at closing
$190,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,292.52
Your down payment$182,292.52
Closing costs + prepaids$8,023.49
Total buyer cash needed$190,316.01
Remaining funds due$190,316.01
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$263.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.00
Prepaid interest, first (2 days)$12.45
Fees + prepaids$8,023.49
Your down payment is the seller’s equity. You take over the $52,607 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $190,316.01 is due at closing. Uses and sources reconcile at $242,923.49 each. Not a Closing Disclosure.