Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$133,260Cash toward the purchase price.
Closing costs + prepaids$8,521Not just lender fees.
Before credits & paid funds$141,781The complete starting cash picture.
Estimated remaining funds due at closing
$141,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,260.21
Your down payment$133,260.21
Closing costs + prepaids$8,520.68
Total buyer cash needed$141,780.90
Remaining funds due$141,780.90
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%)$2,425.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$546.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$115.25
Prepaid interest, first (25 days)$216.23
Fees + prepaids$8,520.68
Your down payment is the seller’s equity. You take over the $109,240 balance, so the rest of the $242,500 price is paid at closing. A second mortgage can cover part of it. $141,780.90 is due at closing. Uses and sources reconcile at $251,020.68 each. Not a Closing Disclosure.