Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$176,167Cash toward the purchase price.
Closing costs + prepaids$9,227Not just lender fees.
Before credits & paid funds$185,394The complete starting cash picture.
Estimated remaining funds due at closing
$185,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,166.92
Your down payment$176,166.92
Closing costs + prepaids$9,226.85
Total buyer cash needed$185,393.77
Remaining funds due$185,393.77
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$519.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$367.00
Initial HOA (3 months)$159.00
Prepaid interest, first (21 days)$163.69
Fees + prepaids$9,226.85
Your down payment is the seller’s equity. You take over the $103,833 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $185,393.77 is due at closing. Uses and sources reconcile at $289,226.85 each. Not a Closing Disclosure.