Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$94,949Cash toward the purchase price.
Closing costs + prepaids$11,197Not just lender fees.
Before credits & paid funds$106,146The complete starting cash picture.
Estimated remaining funds due at closing
$106,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,949.12
Your down payment$94,949.12
Closing costs + prepaids$11,196.83
Total buyer cash needed$106,145.95
Remaining funds due$106,145.95
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%)$2,749.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$900.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,873.75
Prepaid interest, first (31 days)$455.57
Fees + prepaids$11,196.83
Your down payment is the seller’s equity. You take over the $180,001 balance, so the rest of the $274,950 price is paid at closing. A second mortgage can cover part of it. $106,145.95 is due at closing. Uses and sources reconcile at $286,146.83 each. Not a Closing Disclosure.