Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$194,029Cash toward the purchase price.
Closing costs + prepaids$9,524Not just lender fees.
Before credits & paid funds$203,553The complete starting cash picture.
Estimated remaining funds due at closing
$203,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,028.86
Your down payment$194,028.86
Closing costs + prepaids$9,524.49
Total buyer cash needed$203,553.35
Remaining funds due$203,553.35
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$429.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$699.75
Initial HOA (3 months)$141.24
Prepaid interest, first (28 days)$237.15
Fees + prepaids$9,524.49
Your down payment is the seller’s equity. You take over the $85,871 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $203,553.35 is due at closing. Uses and sources reconcile at $289,424.49 each. Not a Closing Disclosure.