Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$105,235Cash toward the purchase price.
Closing costs + prepaids$11,027Not just lender fees.
Before credits & paid funds$116,261The complete starting cash picture.
Estimated remaining funds due at closing
$116,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,234.58
Your down payment$105,234.58
Closing costs + prepaids$11,026.52
Total buyer cash needed$116,261.10
Remaining funds due$116,261.10
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%)$2,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$798.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,337.50
Initial HOA (3 months)$1,002.00
Prepaid interest, first (2 days)$21.70
Fees + prepaids$11,026.52
Your down payment is the seller’s equity. You take over the $159,665 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $116,261.10 is due at closing. Uses and sources reconcile at $275,926.52 each. Not a Closing Disclosure.