Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$170,449Cash toward the purchase price.
Closing costs + prepaids$9,000Not just lender fees.
Before credits & paid funds$179,449The complete starting cash picture.
Estimated remaining funds due at closing
$179,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,449.13
Your down payment$170,449.13
Closing costs + prepaids$8,999.99
Total buyer cash needed$179,449.11
Remaining funds due$179,449.11
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%)$592.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$286.50
Prepaid interest, first (1 days)$12.73
Fees + prepaids$8,999.99
Your down payment is the seller’s equity. You take over the $118,551 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $179,449.11 is due at closing. Uses and sources reconcile at $297,999.99 each. Not a Closing Disclosure.