Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$84,403Cash toward the purchase price.
Closing costs + prepaids$10,139Not just lender fees.
Before credits & paid funds$94,541The complete starting cash picture.
Estimated remaining funds due at closing
$94,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,402.59
Your down payment$84,402.59
Closing costs + prepaids$10,138.73
Total buyer cash needed$94,541.32
Remaining funds due$94,541.32
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%)$977.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$377.50
Prepaid interest, first (28 days)$765.24
Fees + prepaids$10,138.73
Your down payment is the seller’s equity. You take over the $195,597 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $94,541.32 is due at closing. Uses and sources reconcile at $290,138.73 each. Not a Closing Disclosure.