Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$223,046Cash toward the purchase price.
Closing costs + prepaids$9,295Not just lender fees.
Before credits & paid funds$232,341The complete starting cash picture.
Estimated remaining funds due at closing
$232,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,046.46
Your down payment$223,046.46
Closing costs + prepaids$9,294.92
Total buyer cash needed$232,341.37
Remaining funds due$232,341.37
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%)$2,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$324.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$720.00
Prepaid interest, first (25 days)$152.15
Fees + prepaids$9,294.92
Your down payment is the seller’s equity. You take over the $64,954 balance, so the rest of the $288,000 price is paid at closing. A second mortgage can cover part of it. $232,341.37 is due at closing. Uses and sources reconcile at $297,294.92 each. Not a Closing Disclosure.