Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$143,966Cash toward the purchase price.
Closing costs + prepaids$9,698Not just lender fees.
Before credits & paid funds$153,664The complete starting cash picture.
Estimated remaining funds due at closing
$153,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,966.46
Your down payment$143,966.46
Closing costs + prepaids$9,697.84
Total buyer cash needed$153,664.31
Remaining funds due$153,664.31
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%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$654.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$687.25
Prepaid interest, first (26 days)$388.93
Fees + prepaids$9,697.84
Your down payment is the seller’s equity. You take over the $130,934 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $153,664.31 is due at closing. Uses and sources reconcile at $284,597.84 each. Not a Closing Disclosure.