Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$142,939Cash toward the purchase price.
Closing costs + prepaids$10,583Not just lender fees.
Before credits & paid funds$153,523The complete starting cash picture.
Estimated remaining funds due at closing
$153,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,939.33
Your down payment$142,939.33
Closing costs + prepaids$10,583.26
Total buyer cash needed$153,522.59
Remaining funds due$153,522.59
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%)$2,799.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$685.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,851.50
Prepaid interest, first (2 days)$29.20
Fees + prepaids$10,583.26
Your down payment is the seller’s equity. You take over the $137,011 balance, so the rest of the $279,950 price is paid at closing. A second mortgage can cover part of it. $153,522.59 is due at closing. Uses and sources reconcile at $290,533.26 each. Not a Closing Disclosure.