Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$115,182Cash toward the purchase price.
Closing costs + prepaids$10,557Not just lender fees.
Before credits & paid funds$125,739The complete starting cash picture.
Estimated remaining funds due at closing
$125,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,181.76
Your down payment$115,181.76
Closing costs + prepaids$10,556.75
Total buyer cash needed$125,738.51
Remaining funds due$125,738.51
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%)$2,649.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$749.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$217.75
Initial HOA (3 months)$1,320.00
Prepaid interest, first (31 days)$402.06
Fees + prepaids$10,556.75
Your down payment is the seller’s equity. You take over the $149,808 balance, so the rest of the $264,990 price is paid at closing. A second mortgage can cover part of it. $125,738.51 is due at closing. Uses and sources reconcile at $275,546.75 each. Not a Closing Disclosure.