Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,713Cash toward the purchase price.
Closing costs + prepaids$10,309Not just lender fees.
Before credits & paid funds$142,022The complete starting cash picture.
Estimated remaining funds due at closing
$142,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,713.28
Your down payment$131,713.28
Closing costs + prepaids$10,308.92
Total buyer cash needed$142,022.20
Remaining funds due$142,022.20
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%)$2,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$781.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,411.50
Prepaid interest, first (1 days)$17.98
Fees + prepaids$10,308.92
Your down payment is the seller’s equity. You take over the $156,287 balance, so the rest of the $288,000 price is paid at closing. A second mortgage can cover part of it. $142,022.20 is due at closing. Uses and sources reconcile at $298,308.92 each. Not a Closing Disclosure.