Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$273,866Cash toward the purchase price.
Closing costs + prepaids$9,909Not just lender fees.
Before credits & paid funds$283,775The complete starting cash picture.
Estimated remaining funds due at closing
$283,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,865.92
Your down payment$273,865.92
Closing costs + prepaids$9,908.64
Total buyer cash needed$283,774.57
Remaining funds due$283,774.57
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%)$30.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,837.75
Prepaid interest, first (24 days)$22.22
Fees + prepaids$9,908.64
Your down payment is the seller’s equity. You take over the $6,134 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $283,774.57 is due at closing. Uses and sources reconcile at $289,908.64 each. Not a Closing Disclosure.