Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$137,950Cash toward the purchase price.
Closing costs + prepaids$9,229Not just lender fees.
Before credits & paid funds$147,179The complete starting cash picture.
Estimated remaining funds due at closing
$147,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,949.82
Your down payment$137,949.82
Closing costs + prepaids$9,229.14
Total buyer cash needed$147,178.96
Remaining funds due$147,178.96
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$685.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.00
Initial HOA (3 months)$156.00
Prepaid interest, first (9 days)$89.89
Fees + prepaids$9,229.14
Your down payment is the seller’s equity. You take over the $137,050 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $147,178.96 is due at closing. Uses and sources reconcile at $284,229.14 each. Not a Closing Disclosure.