Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$137,989Cash toward the purchase price.
Closing costs + prepaids$10,181Not just lender fees.
Before credits & paid funds$148,170The complete starting cash picture.
Estimated remaining funds due at closing
$148,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,988.81
Your down payment$137,988.81
Closing costs + prepaids$10,180.75
Total buyer cash needed$148,169.56
Remaining funds due$148,169.56
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$455.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,950.00
Prepaid interest, first (22 days)$267.70
Fees + prepaids$10,180.75
Your down payment is the seller’s equity. You take over the $91,011 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $148,169.56 is due at closing. Uses and sources reconcile at $239,180.75 each. Not a Closing Disclosure.