Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$125,237Cash toward the purchase price.
Closing costs + prepaids$9,278Not just lender fees.
Before credits & paid funds$134,514The complete starting cash picture.
Estimated remaining funds due at closing
$134,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,236.82
Your down payment$125,236.82
Closing costs + prepaids$9,277.53
Total buyer cash needed$134,514.35
Remaining funds due$134,514.35
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%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$748.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$343.75
Prepaid interest, first (18 days)$218.47
Fees + prepaids$9,277.53
Your down payment is the seller’s equity. You take over the $149,663 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $134,514.35 is due at closing. Uses and sources reconcile at $284,177.53 each. Not a Closing Disclosure.