Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$117,778Cash toward the purchase price.
Closing costs + prepaids$10,111Not just lender fees.
Before credits & paid funds$127,889The complete starting cash picture.
Estimated remaining funds due at closing
$127,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,778.03
Your down payment$117,778.03
Closing costs + prepaids$10,111.17
Total buyer cash needed$127,889.20
Remaining funds due$127,889.20
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%)$2,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$776.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$881.00
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$456.05
Fees + prepaids$10,111.17
Your down payment is the seller’s equity. You take over the $155,222 balance, so the rest of the $273,000 price is paid at closing. A second mortgage can cover part of it. $127,889.20 is due at closing. Uses and sources reconcile at $283,111.17 each. Not a Closing Disclosure.