Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$175,859Cash toward the purchase price.
Closing costs + prepaids$9,150Not just lender fees.
Before credits & paid funds$185,009The complete starting cash picture.
Estimated remaining funds due at closing
$185,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,858.51
Your down payment$175,858.51
Closing costs + prepaids$9,150.19
Total buyer cash needed$185,008.70
Remaining funds due$185,008.70
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%)$495.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.00
Prepaid interest, first (27 days)$265.48
Fees + prepaids$9,150.19
Your down payment is the seller’s equity. You take over the $99,141 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $185,008.70 is due at closing. Uses and sources reconcile at $284,150.19 each. Not a Closing Disclosure.