Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$115,484Cash toward the purchase price.
Closing costs + prepaids$9,628Not just lender fees.
Before credits & paid funds$125,113The complete starting cash picture.
Estimated remaining funds due at closing
$125,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,484.26
Your down payment$115,484.26
Closing costs + prepaids$9,628.47
Total buyer cash needed$125,112.73
Remaining funds due$125,112.73
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$817.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$439.75
Initial HOA (3 months)$87.00
Prepaid interest, first (23 days)$276.14
Fees + prepaids$9,628.47
Your down payment is the seller’s equity. You take over the $163,516 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $125,112.73 is due at closing. Uses and sources reconcile at $288,628.47 each. Not a Closing Disclosure.