Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$201,846Cash toward the purchase price.
Closing costs + prepaids$9,120Not just lender fees.
Before credits & paid funds$210,966The complete starting cash picture.
Estimated remaining funds due at closing
$210,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,845.73
Your down payment$201,845.73
Closing costs + prepaids$9,120.20
Total buyer cash needed$210,965.93
Remaining funds due$210,965.93
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%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$365.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$615.00
Prepaid interest, first (27 days)$172.93
Fees + prepaids$9,120.20
Your down payment is the seller’s equity. You take over the $73,054 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $210,965.93 is due at closing. Uses and sources reconcile at $284,020.20 each. Not a Closing Disclosure.