Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$112,148Cash toward the purchase price.
Closing costs + prepaids$9,176Not just lender fees.
Before credits & paid funds$121,324The complete starting cash picture.
Estimated remaining funds due at closing
$121,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,148.45
Your down payment$112,148.45
Closing costs + prepaids$9,175.70
Total buyer cash needed$121,324.16
Remaining funds due$121,324.16
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$838.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$285.75
Prepaid interest, first (2 days)$34.19
Fees + prepaids$9,175.70
Your down payment is the seller’s equity. You take over the $167,752 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $121,324.16 is due at closing. Uses and sources reconcile at $289,075.70 each. Not a Closing Disclosure.