Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$127,425Cash toward the purchase price.
Closing costs + prepaids$9,611Not just lender fees.
Before credits & paid funds$137,036The complete starting cash picture.
Estimated remaining funds due at closing
$137,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,425.34
Your down payment$127,425.34
Closing costs + prepaids$9,610.58
Total buyer cash needed$137,035.92
Remaining funds due$137,035.92
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%)$2,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$797.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$484.25
Prepaid interest, first (25 days)$240.45
Fees + prepaids$9,610.58
Your down payment is the seller’s equity. You take over the $159,575 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $137,035.92 is due at closing. Uses and sources reconcile at $296,610.58 each. Not a Closing Disclosure.