Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$150,663Cash toward the purchase price.
Closing costs + prepaids$9,656Not just lender fees.
Before credits & paid funds$160,318The complete starting cash picture.
Estimated remaining funds due at closing
$160,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,662.62
Your down payment$150,662.62
Closing costs + prepaids$9,655.80
Total buyer cash needed$160,318.42
Remaining funds due$160,318.42
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$621.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$687.50
Initial HOA (3 months)$66.00
Prepaid interest, first (23 days)$312.61
Fees + prepaids$9,655.80
Your down payment is the seller’s equity. You take over the $124,337 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $160,318.42 is due at closing. Uses and sources reconcile at $284,655.80 each. Not a Closing Disclosure.