Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$107,087Cash toward the purchase price.
Closing costs + prepaids$10,178Not just lender fees.
Before credits & paid funds$117,265The complete starting cash picture.
Estimated remaining funds due at closing
$117,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,086.62
Your down payment$107,086.62
Closing costs + prepaids$10,178.33
Total buyer cash needed$117,264.95
Remaining funds due$117,264.95
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%)$2,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$789.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.25
Initial HOA (3 months)$45.00
Prepaid interest, first (29 days)$815.01
Fees + prepaids$10,178.33
Your down payment is the seller’s equity. You take over the $157,813 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $117,264.95 is due at closing. Uses and sources reconcile at $275,078.33 each. Not a Closing Disclosure.