Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$181,359Cash toward the purchase price.
Closing costs + prepaids$10,257Not just lender fees.
Before credits & paid funds$191,615The complete starting cash picture.
Estimated remaining funds due at closing
$191,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,358.53
Your down payment$181,358.53
Closing costs + prepaids$10,256.95
Total buyer cash needed$191,615.48
Remaining funds due$191,615.48
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%)$468.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,008.75
Initial HOA (3 months)$540.00
Prepaid interest, first (31 days)$272.00
Fees + prepaids$10,256.95
Your down payment is the seller’s equity. You take over the $93,641 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $191,615.48 is due at closing. Uses and sources reconcile at $285,256.95 each. Not a Closing Disclosure.