Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$127,276Cash toward the purchase price.
Closing costs + prepaids$11,749Not just lender fees.
Before credits & paid funds$139,025The complete starting cash picture.
Estimated remaining funds due at closing
$139,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,275.78
Your down payment$127,275.78
Closing costs + prepaids$11,749.09
Total buyer cash needed$139,024.87
Remaining funds due$139,024.87
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%)$738.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,468.50
Initial HOA (3 months)$1,200.00
Prepaid interest, first (22 days)$373.96
Fees + prepaids$11,749.09
Your down payment is the seller’s equity. You take over the $147,724 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $139,024.87 is due at closing. Uses and sources reconcile at $286,749.09 each. Not a Closing Disclosure.