Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$103,038Cash toward the purchase price.
Closing costs + prepaids$9,602Not just lender fees.
Before credits & paid funds$112,639The complete starting cash picture.
Estimated remaining funds due at closing
$112,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,037.64
Your down payment$103,037.64
Closing costs + prepaids$9,601.72
Total buyer cash needed$112,639.36
Remaining funds due$112,639.36
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%)$844.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$326.50
Initial HOA (3 months)$354.00
Prepaid interest, first (10 days)$138.41
Fees + prepaids$9,601.72
Your down payment is the seller’s equity. You take over the $168,962 balance, so the rest of the $272,000 price is paid at closing. A second mortgage can cover part of it. $112,639.36 is due at closing. Uses and sources reconcile at $281,601.72 each. Not a Closing Disclosure.