Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$274,219Cash toward the purchase price.
Closing costs + prepaids$8,896Not just lender fees.
Before credits & paid funds$283,115The complete starting cash picture.
Estimated remaining funds due at closing
$283,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,218.73
Your down payment$274,218.73
Closing costs + prepaids$8,896.36
Total buyer cash needed$283,115.08
Remaining funds due$283,115.08
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$28.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$820.50
Prepaid interest, first (26 days)$28.95
Fees + prepaids$8,896.36
Your down payment is the seller’s equity. You take over the $5,781 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $283,115.08 is due at closing. Uses and sources reconcile at $288,896.36 each. Not a Closing Disclosure.