Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$185,198Cash toward the purchase price.
Closing costs + prepaids$9,583Not just lender fees.
Before credits & paid funds$194,782The complete starting cash picture.
Estimated remaining funds due at closing
$194,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,198.31
Your down payment$185,198.31
Closing costs + prepaids$9,583.32
Total buyer cash needed$194,781.63
Remaining funds due$194,781.63
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%)$474.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$700.00
Prepaid interest, first (31 days)$391.31
Fees + prepaids$9,583.32
Your down payment is the seller’s equity. You take over the $94,802 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $194,781.63 is due at closing. Uses and sources reconcile at $289,583.32 each. Not a Closing Disclosure.