Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$117,860Cash toward the purchase price.
Closing costs + prepaids$11,894Not just lender fees.
Before credits & paid funds$129,754The complete starting cash picture.
Estimated remaining funds due at closing
$129,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,860.11
Your down payment$117,860.11
Closing costs + prepaids$11,894.17
Total buyer cash needed$129,754.28
Remaining funds due$129,754.28
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%)$785.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,453.00
Initial HOA (3 months)$1,362.00
Prepaid interest, first (28 days)$325.47
Fees + prepaids$11,894.17
Your down payment is the seller’s equity. You take over the $157,140 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $129,754.28 is due at closing. Uses and sources reconcile at $286,894.17 each. Not a Closing Disclosure.