Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$115,086Cash toward the purchase price.
Closing costs + prepaids$9,378Not just lender fees.
Before credits & paid funds$124,464The complete starting cash picture.
Estimated remaining funds due at closing
$124,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,085.59
Your down payment$115,085.59
Closing costs + prepaids$9,378.39
Total buyer cash needed$124,463.98
Remaining funds due$124,463.98
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$819.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$439.75
Initial HOA (3 months)$87.00
Prepaid interest, first (2 days)$24.07
Fees + prepaids$9,378.39
Your down payment is the seller’s equity. You take over the $163,914 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $124,463.98 is due at closing. Uses and sources reconcile at $288,378.39 each. Not a Closing Disclosure.