Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$140,202Cash toward the purchase price.
Closing costs + prepaids$10,774Not just lender fees.
Before credits & paid funds$150,976The complete starting cash picture.
Estimated remaining funds due at closing
$150,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,201.66
Your down payment$140,201.66
Closing costs + prepaids$10,773.87
Total buyer cash needed$150,975.53
Remaining funds due$150,975.53
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%)$748.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$739.50
Initial HOA (3 months)$1,113.00
Prepaid interest, first (5 days)$54.38
Fees + prepaids$10,773.87
Your down payment is the seller’s equity. You take over the $149,798 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $150,975.53 is due at closing. Uses and sources reconcile at $300,773.87 each. Not a Closing Disclosure.