Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$192,896Cash toward the purchase price.
Closing costs + prepaids$9,501Not just lender fees.
Before credits & paid funds$202,397The complete starting cash picture.
Estimated remaining funds due at closing
$202,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,895.91
Your down payment$192,895.91
Closing costs + prepaids$9,501.39
Total buyer cash needed$202,397.30
Remaining funds due$202,397.30
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%)$435.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$589.00
Initial HOA (3 months)$138.00
Prepaid interest, first (28 days)$322.37
Fees + prepaids$9,501.39
Your down payment is the seller’s equity. You take over the $87,004 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $202,397.30 is due at closing. Uses and sources reconcile at $289,401.39 each. Not a Closing Disclosure.