Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$114,831Cash toward the purchase price.
Closing costs + prepaids$10,182Not just lender fees.
Before credits & paid funds$125,013The complete starting cash picture.
Estimated remaining funds due at closing
$125,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,830.94
Your down payment$114,830.94
Closing costs + prepaids$10,182.45
Total buyer cash needed$125,013.39
Remaining funds due$125,013.39
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%)$750.80
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 (2 days)$26.00
Fees + prepaids$10,182.45
Your down payment is the seller’s equity. You take over the $150,159 balance, so the rest of the $264,990 price is paid at closing. A second mortgage can cover part of it. $125,013.39 is due at closing. Uses and sources reconcile at $275,172.45 each. Not a Closing Disclosure.