Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$126,886Cash toward the purchase price.
Closing costs + prepaids$10,213Not just lender fees.
Before credits & paid funds$137,099The complete starting cash picture.
Estimated remaining funds due at closing
$137,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,886.42
Your down payment$126,886.42
Closing costs + prepaids$10,212.85
Total buyer cash needed$137,099.27
Remaining funds due$137,099.27
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%)$740.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$215.75
Initial HOA (3 months)$525.00
Prepaid interest, first (28 days)$763.54
Fees + prepaids$10,212.85
Your down payment is the seller’s equity. You take over the $148,114 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $137,099.27 is due at closing. Uses and sources reconcile at $285,212.85 each. Not a Closing Disclosure.