Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$157,386Cash toward the purchase price.
Closing costs + prepaids$9,438Not just lender fees.
Before credits & paid funds$166,824The complete starting cash picture.
Estimated remaining funds due at closing
$166,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,385.55
Your down payment$157,385.55
Closing costs + prepaids$9,438.09
Total buyer cash needed$166,823.65
Remaining funds due$166,823.65
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%)$2,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$585.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (28 days)$327.02
Fees + prepaids$9,438.09
Your down payment is the seller’s equity. You take over the $117,114 balance, so the rest of the $274,500 price is paid at closing. A second mortgage can cover part of it. $166,823.65 is due at closing. Uses and sources reconcile at $283,938.09 each. Not a Closing Disclosure.