Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$115,635Cash toward the purchase price.
Closing costs + prepaids$10,207Not just lender fees.
Before credits & paid funds$125,842The complete starting cash picture.
Estimated remaining funds due at closing
$125,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,635.01
Your down payment$115,635.01
Closing costs + prepaids$10,206.97
Total buyer cash needed$125,841.98
Remaining funds due$125,841.98
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$821.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$834.00
Prepaid interest, first (27 days)$534.65
Fees + prepaids$10,206.97
Your down payment is the seller’s equity. You take over the $164,265 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $125,841.98 is due at closing. Uses and sources reconcile at $290,106.97 each. Not a Closing Disclosure.