Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$123,226Cash toward the purchase price.
Closing costs + prepaids$9,818Not just lender fees.
Before credits & paid funds$133,044The complete starting cash picture.
Estimated remaining funds due at closing
$133,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,226.42
Your down payment$123,226.42
Closing costs + prepaids$9,817.64
Total buyer cash needed$133,044.07
Remaining funds due$133,044.07
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$658.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.00
Initial HOA (3 months)$840.00
Prepaid interest, first (10 days)$244.77
Fees + prepaids$9,817.64
Your down payment is the seller’s equity. You take over the $131,774 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $133,044.07 is due at closing. Uses and sources reconcile at $264,817.64 each. Not a Closing Disclosure.