Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$138,298Cash toward the purchase price.
Closing costs + prepaids$8,899Not just lender fees.
Before credits & paid funds$147,197The complete starting cash picture.
Estimated remaining funds due at closing
$147,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,298.49
Your down payment$138,298.49
Closing costs + prepaids$8,898.73
Total buyer cash needed$147,197.22
Remaining funds due$147,197.22
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%)$683.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (23 days)$247.22
Fees + prepaids$8,898.73
Your down payment is the seller’s equity. You take over the $136,702 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $147,197.22 is due at closing. Uses and sources reconcile at $283,898.73 each. Not a Closing Disclosure.