Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$139,187Cash toward the purchase price.
Closing costs + prepaids$10,156Not just lender fees.
Before credits & paid funds$149,343The complete starting cash picture.
Estimated remaining funds due at closing
$149,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,186.82
Your down payment$139,186.82
Closing costs + prepaids$10,156.23
Total buyer cash needed$149,343.06
Remaining funds due$149,343.06
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%)$2,735.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$671.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$255.00
Initial HOA (3 months)$1,020.00
Prepaid interest, first (31 days)$256.67
Fees + prepaids$10,156.23
Your down payment is the seller’s equity. You take over the $134,313 balance, so the rest of the $273,500 price is paid at closing. A second mortgage can cover part of it. $149,343.06 is due at closing. Uses and sources reconcile at $283,656.23 each. Not a Closing Disclosure.