Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$190,559Cash toward the purchase price.
Closing costs + prepaids$8,982Not just lender fees.
Before credits & paid funds$199,541The complete starting cash picture.
Estimated remaining funds due at closing
$199,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,558.55
Your down payment$190,558.55
Closing costs + prepaids$8,982.34
Total buyer cash needed$199,540.89
Remaining funds due$199,540.89
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%)$422.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.75
Prepaid interest, first (31 days)$237.38
Fees + prepaids$8,982.34
Your down payment is the seller’s equity. You take over the $84,441 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $199,540.89 is due at closing. Uses and sources reconcile at $283,982.34 each. Not a Closing Disclosure.