Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$175,351Cash toward the purchase price.
Closing costs + prepaids$9,753Not just lender fees.
Before credits & paid funds$185,104The complete starting cash picture.
Estimated remaining funds due at closing
$185,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,351.49
Your down payment$175,351.49
Closing costs + prepaids$9,752.86
Total buyer cash needed$185,104.36
Remaining funds due$185,104.36
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%)$2,925.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$585.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$731.25
Prepaid interest, first (25 days)$292.87
Fees + prepaids$9,752.86
Your down payment is the seller’s equity. You take over the $117,149 balance, so the rest of the $292,500 price is paid at closing. A second mortgage can cover part of it. $185,104.36 is due at closing. Uses and sources reconcile at $302,252.86 each. Not a Closing Disclosure.