Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$133,454Cash toward the purchase price.
Closing costs + prepaids$9,427Not just lender fees.
Before credits & paid funds$142,881The complete starting cash picture.
Estimated remaining funds due at closing
$142,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,454.36
Your down payment$133,454.36
Closing costs + prepaids$9,426.60
Total buyer cash needed$142,880.97
Remaining funds due$142,880.97
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%)$2,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$702.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$401.50
Initial HOA (3 months)$62.49
Prepaid interest, first (28 days)$301.88
Fees + prepaids$9,426.60
Your down payment is the seller’s equity. You take over the $140,546 balance, so the rest of the $274,000 price is paid at closing. A second mortgage can cover part of it. $142,880.97 is due at closing. Uses and sources reconcile at $283,426.60 each. Not a Closing Disclosure.