Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$276,293Cash toward the purchase price.
Closing costs + prepaids$8,751Not just lender fees.
Before credits & paid funds$285,044The complete starting cash picture.
Estimated remaining funds due at closing
$285,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,292.80
Your down payment$276,292.80
Closing costs + prepaids$8,750.83
Total buyer cash needed$285,043.63
Remaining funds due$285,043.63
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%)$2,835.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$36.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$626.75
Prepaid interest, first (25 days)$35.05
Fees + prepaids$8,750.83
Your down payment is the seller’s equity. You take over the $7,207 balance, so the rest of the $283,500 price is paid at closing. A second mortgage can cover part of it. $285,043.63 is due at closing. Uses and sources reconcile at $292,250.83 each. Not a Closing Disclosure.