Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$111,033Cash toward the purchase price.
Closing costs + prepaids$10,177Not just lender fees.
Before credits & paid funds$121,210The complete starting cash picture.
Estimated remaining funds due at closing
$121,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,032.79
Your down payment$111,032.79
Closing costs + prepaids$10,176.92
Total buyer cash needed$121,209.71
Remaining funds due$121,209.71
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%)$2,898.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$894.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$724.75
Prepaid interest, first (30 days)$441.01
Fees + prepaids$10,176.92
Your down payment is the seller’s equity. You take over the $178,855 balance, so the rest of the $289,888 price is paid at closing. A second mortgage can cover part of it. $121,209.71 is due at closing. Uses and sources reconcile at $300,064.92 each. Not a Closing Disclosure.