Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,181Cash toward the purchase price.
Closing costs + prepaids$11,133Not just lender fees.
Before credits & paid funds$110,314The complete starting cash picture.
Estimated remaining funds due at closing
$110,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,180.50
Your down payment$99,180.50
Closing costs + prepaids$11,133.31
Total buyer cash needed$110,313.81
Remaining funds due$110,313.81
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%)$879.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,785.25
Prepaid interest, first (26 days)$500.97
Fees + prepaids$11,133.31
Your down payment is the seller’s equity. You take over the $175,819 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $110,313.81 is due at closing. Uses and sources reconcile at $286,133.31 each. Not a Closing Disclosure.