Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$156,617Cash toward the purchase price.
Closing costs + prepaids$10,338Not just lender fees.
Before credits & paid funds$166,955The complete starting cash picture.
Estimated remaining funds due at closing
$166,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,617.11
Your down payment$156,617.11
Closing costs + prepaids$10,337.59
Total buyer cash needed$166,954.70
Remaining funds due$166,954.70
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%)$591.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,457.75
Prepaid interest, first (24 days)$319.93
Fees + prepaids$10,337.59
Your down payment is the seller’s equity. You take over the $118,383 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $166,954.70 is due at closing. Uses and sources reconcile at $285,337.59 each. Not a Closing Disclosure.