Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$75,412Cash toward the purchase price.
Closing costs + prepaids$10,098Not just lender fees.
Before credits & paid funds$85,510The complete starting cash picture.
Estimated remaining funds due at closing
$85,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,411.82
Your down payment$75,411.82
Closing costs + prepaids$10,098.31
Total buyer cash needed$85,510.13
Remaining funds due$85,510.13
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%)$1,022.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$539.00
Prepaid interest, first (16 days)$518.36
Fees + prepaids$10,098.31
Your down payment is the seller’s equity. You take over the $204,588 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $85,510.13 is due at closing. Uses and sources reconcile at $290,098.31 each. Not a Closing Disclosure.