Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$129,734Cash toward the purchase price.
Closing costs + prepaids$9,768Not just lender fees.
Before credits & paid funds$139,502The complete starting cash picture.
Estimated remaining funds due at closing
$139,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,734.22
Your down payment$129,734.22
Closing costs + prepaids$9,768.13
Total buyer cash needed$139,502.36
Remaining funds due$139,502.36
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%)$726.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$801.50
Prepaid interest, first (22 days)$272.30
Fees + prepaids$9,768.13
Your down payment is the seller’s equity. You take over the $145,266 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $139,502.36 is due at closing. Uses and sources reconcile at $284,768.13 each. Not a Closing Disclosure.