Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,541Cash toward the purchase price.
Closing costs + prepaids$11,330Not just lender fees.
Before credits & paid funds$112,871The complete starting cash picture.
Estimated remaining funds due at closing
$112,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,541.02
Your down payment$101,541.02
Closing costs + prepaids$11,330.02
Total buyer cash needed$112,871.04
Remaining funds due$112,871.04
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$942.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,808.75
Prepaid interest, first (31 days)$460.98
Fees + prepaids$11,330.02
Your down payment is the seller’s equity. You take over the $188,459 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $112,871.04 is due at closing. Uses and sources reconcile at $301,330.02 each. Not a Closing Disclosure.