Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$109,738Cash toward the purchase price.
Closing costs + prepaids$9,333Not just lender fees.
Before credits & paid funds$119,071The complete starting cash picture.
Estimated remaining funds due at closing
$119,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,737.56
Your down payment$109,737.56
Closing costs + prepaids$9,333.27
Total buyer cash needed$119,070.83
Remaining funds due$119,070.83
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$776.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$153.75
Initial HOA (3 months)$183.00
Prepaid interest, first (20 days)$352.21
Fees + prepaids$9,333.27
Your down payment is the seller’s equity. You take over the $155,262 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $119,070.83 is due at closing. Uses and sources reconcile at $274,333.27 each. Not a Closing Disclosure.