Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$147,175Cash toward the purchase price.
Closing costs + prepaids$9,703Not just lender fees.
Before credits & paid funds$156,877The complete starting cash picture.
Estimated remaining funds due at closing
$156,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,174.56
Your down payment$147,174.56
Closing costs + prepaids$9,702.52
Total buyer cash needed$156,877.08
Remaining funds due$156,877.08
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$664.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$595.50
Prepaid interest, first (28 days)$424.90
Fees + prepaids$9,702.52
Your down payment is the seller’s equity. You take over the $132,825 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $156,877.08 is due at closing. Uses and sources reconcile at $289,702.52 each. Not a Closing Disclosure.