Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$115,745Cash toward the purchase price.
Closing costs + prepaids$9,092Not just lender fees.
Before credits & paid funds$124,837The complete starting cash picture.
Estimated remaining funds due at closing
$124,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,745.00
Your down payment$115,745.00
Closing costs + prepaids$9,092.47
Total buyer cash needed$124,837.47
Remaining funds due$124,837.47
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%)$796.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$3.75
Prepaid interest, first (26 days)$324.44
Fees + prepaids$9,092.47
Your down payment is the seller’s equity. You take over the $159,255 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $124,837.47 is due at closing. Uses and sources reconcile at $284,092.47 each. Not a Closing Disclosure.