Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$86,341Cash toward the purchase price.
Closing costs + prepaids$10,551Not just lender fees.
Before credits & paid funds$96,892The complete starting cash picture.
Estimated remaining funds due at closing
$96,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,341.01
Your down payment$86,341.01
Closing costs + prepaids$10,551.01
Total buyer cash needed$96,892.02
Remaining funds due$96,892.02
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%)$943.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$688.25
Prepaid interest, first (26 days)$951.46
Fees + prepaids$10,551.01
Your down payment is the seller’s equity. You take over the $188,659 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $96,892.02 is due at closing. Uses and sources reconcile at $285,551.01 each. Not a Closing Disclosure.