Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$146,762Cash toward the purchase price.
Closing costs + prepaids$9,975Not just lender fees.
Before credits & paid funds$156,736The complete starting cash picture.
Estimated remaining funds due at closing
$156,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,761.74
Your down payment$146,761.74
Closing costs + prepaids$9,974.68
Total buyer cash needed$156,736.42
Remaining funds due$156,736.42
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%)$2,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$461.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$597.50
Initial HOA (3 months)$1,020.00
Prepaid interest, first (28 days)$287.99
Fees + prepaids$9,974.68
Your down payment is the seller’s equity. You take over the $92,238 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $156,736.42 is due at closing. Uses and sources reconcile at $248,974.68 each. Not a Closing Disclosure.