Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$163,561Cash toward the purchase price.
Closing costs + prepaids$8,922Not just lender fees.
Before credits & paid funds$172,483The complete starting cash picture.
Estimated remaining funds due at closing
$172,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,561.44
Your down payment$163,561.44
Closing costs + prepaids$8,921.75
Total buyer cash needed$172,483.19
Remaining funds due$172,483.19
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%)$557.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.00
Prepaid interest, first (10 days)$66.56
Fees + prepaids$8,921.75
Your down payment is the seller’s equity. You take over the $111,439 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $172,483.19 is due at closing. Uses and sources reconcile at $283,921.75 each. Not a Closing Disclosure.