Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$103,635Cash toward the purchase price.
Closing costs + prepaids$10,285Not just lender fees.
Before credits & paid funds$113,920The complete starting cash picture.
Estimated remaining funds due at closing
$113,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,635.07
Your down payment$103,635.07
Closing costs + prepaids$10,285.27
Total buyer cash needed$113,920.34
Remaining funds due$113,920.34
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%)$856.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$928.00
Initial HOA (3 months)$123.00
Prepaid interest, first (27 days)$409.44
Fees + prepaids$10,285.27
Your down payment is the seller’s equity. You take over the $171,365 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $113,920.34 is due at closing. Uses and sources reconcile at $285,285.27 each. Not a Closing Disclosure.