Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$175,917Cash toward the purchase price.
Closing costs + prepaids$9,072Not just lender fees.
Before credits & paid funds$184,989The complete starting cash picture.
Estimated remaining funds due at closing
$184,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,916.97
Your down payment$175,916.97
Closing costs + prepaids$9,072.23
Total buyer cash needed$184,989.20
Remaining funds due$184,989.20
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%)$520.42
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 (1 days)$7.81
Fees + prepaids$9,072.23
Your down payment is the seller’s equity. You take over the $104,083 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $184,989.20 is due at closing. Uses and sources reconcile at $289,072.23 each. Not a Closing Disclosure.