Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$222,942Cash toward the purchase price.
Closing costs + prepaids$8,838Not just lender fees.
Before credits & paid funds$231,780The complete starting cash picture.
Estimated remaining funds due at closing
$231,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,941.89
Your down payment$222,941.89
Closing costs + prepaids$8,837.84
Total buyer cash needed$231,779.73
Remaining funds due$231,779.73
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$260.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$184.75
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$244.80
Fees + prepaids$8,837.84
Your down payment is the seller’s equity. You take over the $52,058 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $231,779.73 is due at closing. Uses and sources reconcile at $283,837.84 each. Not a Closing Disclosure.