Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$123,909Cash toward the purchase price.
Closing costs + prepaids$10,023Not just lender fees.
Before credits & paid funds$133,932The complete starting cash picture.
Estimated remaining funds due at closing
$133,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,909.34
Your down payment$123,909.34
Closing costs + prepaids$10,022.90
Total buyer cash needed$133,932.24
Remaining funds due$133,932.24
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%)$825.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Initial HOA (3 months)$224.01
Prepaid interest, first (29 days)$397.44
Fees + prepaids$10,022.90
Your down payment is the seller’s equity. You take over the $165,091 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $133,932.24 is due at closing. Uses and sources reconcile at $299,022.90 each. Not a Closing Disclosure.