Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$160,118Cash toward the purchase price.
Closing costs + prepaids$9,107Not just lender fees.
Before credits & paid funds$169,225The complete starting cash picture.
Estimated remaining funds due at closing
$169,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,118.23
Your down payment$160,118.23
Closing costs + prepaids$9,107.08
Total buyer cash needed$169,225.31
Remaining funds due$169,225.31
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$594.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$270.75
Prepaid interest, first (27 days)$233.92
Fees + prepaids$9,107.08
Your down payment is the seller’s equity. You take over the $118,882 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $169,225.31 is due at closing. Uses and sources reconcile at $288,107.08 each. Not a Closing Disclosure.