Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$137,601Cash toward the purchase price.
Closing costs + prepaids$8,722Not just lender fees.
Before credits & paid funds$146,323The complete starting cash picture.
Estimated remaining funds due at closing
$146,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,601.10
Your down payment$137,601.10
Closing costs + prepaids$8,721.50
Total buyer cash needed$146,322.60
Remaining funds due$146,322.60
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$436.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (24 days)$254.01
Fees + prepaids$8,721.50
Your down payment is the seller’s equity. You take over the $87,399 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $146,322.60 is due at closing. Uses and sources reconcile at $233,721.50 each. Not a Closing Disclosure.