Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$227,488Cash toward the purchase price.
Closing costs + prepaids$8,604Not just lender fees.
Before credits & paid funds$236,092The complete starting cash picture.
Estimated remaining funds due at closing
$236,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,487.98
Your down payment$227,487.98
Closing costs + prepaids$8,604.17
Total buyer cash needed$236,092.15
Remaining funds due$236,092.15
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%)$2,785.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$255.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$172.75
Prepaid interest, first (28 days)$173.36
Fees + prepaids$8,604.17
Your down payment is the seller’s equity. You take over the $51,012 balance, so the rest of the $278,500 price is paid at closing. A second mortgage can cover part of it. $236,092.15 is due at closing. Uses and sources reconcile at $287,104.17 each. Not a Closing Disclosure.