Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$108,757Cash toward the purchase price.
Closing costs + prepaids$9,929Not just lender fees.
Before credits & paid funds$118,686The complete starting cash picture.
Estimated remaining funds due at closing
$118,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,757.06
Your down payment$108,757.06
Closing costs + prepaids$9,928.96
Total buyer cash needed$118,686.02
Remaining funds due$118,686.02
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%)$2,735.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$823.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$557.75
Initial HOA (3 months)$98.01
Prepaid interest, first (25 days)$496.49
Fees + prepaids$9,928.96
Your down payment is the seller’s equity. You take over the $164,743 balance, so the rest of the $273,500 price is paid at closing. A second mortgage can cover part of it. $118,686.02 is due at closing. Uses and sources reconcile at $283,428.96 each. Not a Closing Disclosure.