Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$132,765Cash toward the purchase price.
Closing costs + prepaids$9,026Not just lender fees.
Before credits & paid funds$141,791The complete starting cash picture.
Estimated remaining funds due at closing
$141,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,765.40
Your down payment$132,765.40
Closing costs + prepaids$9,025.54
Total buyer cash needed$141,790.94
Remaining funds due$141,790.94
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%)$711.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.00
Prepaid interest, first (1 days)$16.37
Fees + prepaids$9,025.54
Your down payment is the seller’s equity. You take over the $142,235 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $141,790.94 is due at closing. Uses and sources reconcile at $284,025.54 each. Not a Closing Disclosure.