Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$146,149Cash toward the purchase price.
Closing costs + prepaids$9,991Not just lender fees.
Before credits & paid funds$156,141The complete starting cash picture.
Estimated remaining funds due at closing
$156,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,149.19
Your down payment$146,149.19
Closing costs + prepaids$9,991.42
Total buyer cash needed$156,140.61
Remaining funds due$156,140.61
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%)$2,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$639.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$115.25
Initial HOA (3 months)$963.00
Prepaid interest, first (29 days)$315.91
Fees + prepaids$9,991.42
Your down payment is the seller’s equity. You take over the $127,851 balance, so the rest of the $274,000 price is paid at closing. A second mortgage can cover part of it. $156,140.61 is due at closing. Uses and sources reconcile at $283,991.42 each. Not a Closing Disclosure.