Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$149,604Cash toward the purchase price.
Closing costs + prepaids$9,068Not just lender fees.
Before credits & paid funds$158,672The complete starting cash picture.
Estimated remaining funds due at closing
$158,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,603.82
Your down payment$149,603.82
Closing costs + prepaids$9,068.43
Total buyer cash needed$158,672.25
Remaining funds due$158,672.25
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%)$626.48
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 (14 days)$131.20
Fees + prepaids$9,068.43
Your down payment is the seller’s equity. You take over the $125,296 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $158,672.25 is due at closing. Uses and sources reconcile at $283,968.43 each. Not a Closing Disclosure.