Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$208,929Cash toward the purchase price.
Closing costs + prepaids$8,850Not just lender fees.
Before credits & paid funds$217,780The complete starting cash picture.
Estimated remaining funds due at closing
$217,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,929.41
Your down payment$208,929.41
Closing costs + prepaids$8,850.11
Total buyer cash needed$217,779.52
Remaining funds due$217,779.52
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%)$330.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.50
Prepaid interest, first (22 days)$167.26
Fees + prepaids$8,850.11
Your down payment is the seller’s equity. You take over the $66,071 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $217,779.52 is due at closing. Uses and sources reconcile at $283,850.11 each. Not a Closing Disclosure.