Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$149,683Cash toward the purchase price.
Closing costs + prepaids$9,275Not just lender fees.
Before credits & paid funds$158,958The complete starting cash picture.
Estimated remaining funds due at closing
$158,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,682.94
Your down payment$149,682.94
Closing costs + prepaids$9,274.84
Total buyer cash needed$158,957.78
Remaining funds due$158,957.78
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%)$701.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.00
Prepaid interest, first (10 days)$107.26
Fees + prepaids$9,274.84
Your down payment is the seller’s equity. You take over the $140,317 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $158,957.78 is due at closing. Uses and sources reconcile at $299,274.84 each. Not a Closing Disclosure.