Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$176,746Cash toward the purchase price.
Closing costs + prepaids$9,588Not just lender fees.
Before credits & paid funds$186,334The complete starting cash picture.
Estimated remaining funds due at closing
$186,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,745.81
Your down payment$176,745.81
Closing costs + prepaids$9,587.96
Total buyer cash needed$186,333.77
Remaining funds due$186,333.77
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%)$2,855.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$543.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$713.75
Prepaid interest, first (24 days)$257.43
Fees + prepaids$9,587.96
Your down payment is the seller’s equity. You take over the $108,754 balance, so the rest of the $285,500 price is paid at closing. A second mortgage can cover part of it. $186,333.77 is due at closing. Uses and sources reconcile at $295,087.96 each. Not a Closing Disclosure.