Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$146,763Cash toward the purchase price.
Closing costs + prepaids$9,395Not just lender fees.
Before credits & paid funds$156,158The complete starting cash picture.
Estimated remaining funds due at closing
$156,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,763.17
Your down payment$146,763.17
Closing costs + prepaids$9,395.33
Total buyer cash needed$156,158.50
Remaining funds due$156,158.50
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%)$2,675.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$603.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$668.75
Prepaid interest, first (25 days)$229.90
Fees + prepaids$9,395.33
Your down payment is the seller’s equity. You take over the $120,737 balance, so the rest of the $267,500 price is paid at closing. A second mortgage can cover part of it. $156,158.50 is due at closing. Uses and sources reconcile at $276,895.33 each. Not a Closing Disclosure.