Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$184,200Cash toward the purchase price.
Closing costs + prepaids$9,700Not just lender fees.
Before credits & paid funds$193,900The complete starting cash picture.
Estimated remaining funds due at closing
$193,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,199.78
Your down payment$184,199.78
Closing costs + prepaids$9,699.96
Total buyer cash needed$193,899.74
Remaining funds due$193,899.74
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%)$478.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$933.75
Prepaid interest, first (25 days)$270.71
Fees + prepaids$9,699.96
Your down payment is the seller’s equity. You take over the $95,700 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $193,899.74 is due at closing. Uses and sources reconcile at $289,599.96 each. Not a Closing Disclosure.