Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$137,223Cash toward the purchase price.
Closing costs + prepaids$10,306Not just lender fees.
Before credits & paid funds$147,529The complete starting cash picture.
Estimated remaining funds due at closing
$147,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,222.94
Your down payment$137,222.94
Closing costs + prepaids$10,305.71
Total buyer cash needed$147,528.65
Remaining funds due$147,528.65
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$713.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$612.00
Initial HOA (3 months)$720.00
Prepaid interest, first (22 days)$241.82
Fees + prepaids$10,305.71
Your down payment is the seller’s equity. You take over the $142,777 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $147,528.65 is due at closing. Uses and sources reconcile at $290,305.71 each. Not a Closing Disclosure.