Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$147,834Cash toward the purchase price.
Closing costs + prepaids$10,159Not just lender fees.
Before credits & paid funds$157,993The complete starting cash picture.
Estimated remaining funds due at closing
$157,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,833.96
Your down payment$147,833.96
Closing costs + prepaids$10,159.07
Total buyer cash needed$157,993.03
Remaining funds due$157,993.03
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%)$635.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.25
Initial HOA (3 months)$711.00
Prepaid interest, first (22 days)$301.99
Fees + prepaids$10,159.07
Your down payment is the seller’s equity. You take over the $127,166 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $157,993.03 is due at closing. Uses and sources reconcile at $285,159.07 each. Not a Closing Disclosure.