Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,633Cash toward the purchase price.
Closing costs + prepaids$9,456Not just lender fees.
Before credits & paid funds$112,089The complete starting cash picture.
Estimated remaining funds due at closing
$112,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,632.87
Your down payment$102,632.87
Closing costs + prepaids$9,455.71
Total buyer cash needed$112,088.58
Remaining funds due$112,088.58
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%)$2,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$846.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$303.00
Initial HOA (3 months)$354.00
Prepaid interest, first (1 days)$13.87
Fees + prepaids$9,455.71
Your down payment is the seller’s equity. You take over the $169,367 balance, so the rest of the $272,000 price is paid at closing. A second mortgage can cover part of it. $112,088.58 is due at closing. Uses and sources reconcile at $281,455.71 each. Not a Closing Disclosure.