Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$147,319Cash toward the purchase price.
Closing costs + prepaids$8,842Not just lender fees.
Before credits & paid funds$156,161The complete starting cash picture.
Estimated remaining funds due at closing
$156,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,318.80
Your down payment$147,318.80
Closing costs + prepaids$8,842.38
Total buyer cash needed$156,161.18
Remaining funds due$156,161.18
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%)$2,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$453.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$595.00
Prepaid interest, first (29 days)$195.97
Fees + prepaids$8,842.38
Your down payment is the seller’s equity. You take over the $90,681 balance, so the rest of the $238,000 price is paid at closing. A second mortgage can cover part of it. $156,161.18 is due at closing. Uses and sources reconcile at $246,842.38 each. Not a Closing Disclosure.