Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$150,303Cash toward the purchase price.
Closing costs + prepaids$9,372Not just lender fees.
Before credits & paid funds$159,675The complete starting cash picture.
Estimated remaining funds due at closing
$159,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,302.98
Your down payment$150,302.98
Closing costs + prepaids$9,372.25
Total buyer cash needed$159,675.23
Remaining funds due$159,675.23
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%)$623.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$687.50
Initial HOA (3 months)$66.00
Prepaid interest, first (2 days)$27.26
Fees + prepaids$9,372.25
Your down payment is the seller’s equity. You take over the $124,697 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $159,675.23 is due at closing. Uses and sources reconcile at $284,372.25 each. Not a Closing Disclosure.