Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$165,532Cash toward the purchase price.
Closing costs + prepaids$9,523Not just lender fees.
Before credits & paid funds$175,055The complete starting cash picture.
Estimated remaining funds due at closing
$175,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,531.85
Your down payment$165,531.85
Closing costs + prepaids$9,523.35
Total buyer cash needed$175,055.19
Remaining funds due$175,055.19
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%)$572.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$587.25
Prepaid interest, first (25 days)$345.76
Fees + prepaids$9,523.35
Your down payment is the seller’s equity. You take over the $114,468 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $175,055.19 is due at closing. Uses and sources reconcile at $289,523.35 each. Not a Closing Disclosure.