Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$127,089Cash toward the purchase price.
Closing costs + prepaids$10,064Not just lender fees.
Before credits & paid funds$137,154The complete starting cash picture.
Estimated remaining funds due at closing
$137,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,089.31
Your down payment$127,089.31
Closing costs + prepaids$10,064.34
Total buyer cash needed$137,153.65
Remaining funds due$137,153.65
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%)$764.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$367.75
Initial HOA (3 months)$540.00
Prepaid interest, first (23 days)$375.54
Fees + prepaids$10,064.34
Your down payment is the seller’s equity. You take over the $152,811 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $137,153.65 is due at closing. Uses and sources reconcile at $289,964.34 each. Not a Closing Disclosure.