Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$149,347Cash toward the purchase price.
Closing costs + prepaids$9,071Not just lender fees.
Before credits & paid funds$158,419The complete starting cash picture.
Estimated remaining funds due at closing
$158,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,347.44
Your down payment$149,347.44
Closing costs + prepaids$9,071.26
Total buyer cash needed$158,418.71
Remaining funds due$158,418.71
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$703.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$239.25
Prepaid interest, first (1 days)$10.75
Fees + prepaids$9,071.26
Your down payment is the seller’s equity. You take over the $140,653 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $158,418.71 is due at closing. Uses and sources reconcile at $299,071.26 each. Not a Closing Disclosure.