Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$168,510Cash toward the purchase price.
Closing costs + prepaids$9,401Not just lender fees.
Before credits & paid funds$177,911The complete starting cash picture.
Estimated remaining funds due at closing
$177,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,510.13
Your down payment$168,510.13
Closing costs + prepaids$9,401.18
Total buyer cash needed$177,911.30
Remaining funds due$177,911.30
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$532.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$687.25
Prepaid interest, first (27 days)$213.48
Fees + prepaids$9,401.18
Your down payment is the seller’s equity. You take over the $106,490 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $177,911.30 is due at closing. Uses and sources reconcile at $284,401.18 each. Not a Closing Disclosure.