Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$145,872Cash toward the purchase price.
Closing costs + prepaids$9,688Not just lender fees.
Before credits & paid funds$155,559The complete starting cash picture.
Estimated remaining funds due at closing
$155,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,871.65
Your down payment$145,871.65
Closing costs + prepaids$9,687.81
Total buyer cash needed$155,559.46
Remaining funds due$155,559.46
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%)$2,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$640.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$115.25
Initial HOA (3 months)$963.00
Prepaid interest, first (1 days)$10.92
Fees + prepaids$9,687.81
Your down payment is the seller’s equity. You take over the $128,128 balance, so the rest of the $274,000 price is paid at closing. A second mortgage can cover part of it. $155,559.46 is due at closing. Uses and sources reconcile at $283,687.81 each. Not a Closing Disclosure.