Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$100,297Cash toward the purchase price.
Closing costs + prepaids$10,548Not just lender fees.
Before credits & paid funds$110,845The complete starting cash picture.
Estimated remaining funds due at closing
$110,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,296.88
Your down payment$100,296.88
Closing costs + prepaids$10,548.07
Total buyer cash needed$110,844.95
Remaining funds due$110,844.95
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%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$873.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$791.75
Initial HOA (3 months)$534.00
Prepaid interest, first (24 days)$382.31
Fees + prepaids$10,548.07
Your down payment is the seller’s equity. You take over the $174,603 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $110,844.95 is due at closing. Uses and sources reconcile at $285,448.07 each. Not a Closing Disclosure.