Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$102,250Cash toward the purchase price.
Closing costs + prepaids$10,255Not just lender fees.
Before credits & paid funds$112,505The complete starting cash picture.
Estimated remaining funds due at closing
$112,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,249.62
Your down payment$102,249.62
Closing costs + prepaids$10,255.37
Total buyer cash needed$112,504.99
Remaining funds due$112,504.99
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$883.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$256.50
Initial HOA (3 months)$1,080.00
Prepaid interest, first (2 days)$27.12
Fees + prepaids$10,255.37
Your down payment is the seller’s equity. You take over the $176,750 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $112,504.99 is due at closing. Uses and sources reconcile at $289,255.37 each. Not a Closing Disclosure.