Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$222,816Cash toward the purchase price.
Closing costs + prepaids$8,588Not just lender fees.
Before credits & paid funds$231,404The complete starting cash picture.
Estimated remaining funds due at closing
$231,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,816.38
Your down payment$222,816.38
Closing costs + prepaids$8,588.08
Total buyer cash needed$231,404.46
Remaining funds due$231,404.46
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$285.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$123.75
Prepaid interest, first (29 days)$161.91
Fees + prepaids$8,588.08
Your down payment is the seller’s equity. You take over the $57,084 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $231,404.46 is due at closing. Uses and sources reconcile at $288,488.08 each. Not a Closing Disclosure.