Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$170,748Cash toward the purchase price.
Closing costs + prepaids$9,173Not just lender fees.
Before credits & paid funds$179,921The complete starting cash picture.
Estimated remaining funds due at closing
$179,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,747.69
Your down payment$170,747.69
Closing costs + prepaids$9,173.01
Total buyer cash needed$179,920.70
Remaining funds due$179,920.70
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$591.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$346.75
Prepaid interest, first (10 days)$127.00
Fees + prepaids$9,173.01
Your down payment is the seller’s equity. You take over the $118,252 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $179,920.70 is due at closing. Uses and sources reconcile at $298,173.01 each. Not a Closing Disclosure.