Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$192,428Cash toward the purchase price.
Closing costs + prepaids$9,036Not just lender fees.
Before credits & paid funds$201,464The complete starting cash picture.
Estimated remaining funds due at closing
$201,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,428.02
Your down payment$192,428.02
Closing costs + prepaids$9,035.92
Total buyer cash needed$201,463.93
Remaining funds due$201,463.93
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%)$2,725.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$400.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.00
Prepaid interest, first (30 days)$239.56
Fees + prepaids$9,035.92
Your down payment is the seller’s equity. You take over the $80,072 balance, so the rest of the $272,500 price is paid at closing. A second mortgage can cover part of it. $201,463.93 is due at closing. Uses and sources reconcile at $281,535.92 each. Not a Closing Disclosure.