Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$123,217Cash toward the purchase price.
Closing costs + prepaids$10,472Not just lender fees.
Before credits & paid funds$133,688The complete starting cash picture.
Estimated remaining funds due at closing
$133,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,216.64
Your down payment$123,216.64
Closing costs + prepaids$10,471.66
Total buyer cash needed$133,688.30
Remaining funds due$133,688.30
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$783.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$321.25
Initial HOA (3 months)$960.00
Prepaid interest, first (23 days)$389.99
Fees + prepaids$10,471.66
Your down payment is the seller’s equity. You take over the $156,683 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $133,688.30 is due at closing. Uses and sources reconcile at $290,371.66 each. Not a Closing Disclosure.