Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$181,986Cash toward the purchase price.
Closing costs + prepaids$9,027Not just lender fees.
Before credits & paid funds$191,013The complete starting cash picture.
Estimated remaining funds due at closing
$191,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,986.02
Your down payment$181,986.02
Closing costs + prepaids$9,027.18
Total buyer cash needed$191,013.21
Remaining funds due$191,013.21
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$515.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.00
Prepaid interest, first (9 days)$102.11
Fees + prepaids$9,027.18
Your down payment is the seller’s equity. You take over the $103,014 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $191,013.21 is due at closing. Uses and sources reconcile at $294,027.18 each. Not a Closing Disclosure.