Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$146,142Cash toward the purchase price.
Closing costs + prepaids$9,537Not just lender fees.
Before credits & paid funds$155,678The complete starting cash picture.
Estimated remaining funds due at closing
$155,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,141.83
Your down payment$146,141.83
Closing costs + prepaids$9,536.63
Total buyer cash needed$155,678.45
Remaining funds due$155,678.45
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$668.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$677.50
Prepaid interest, first (22 days)$173.34
Fees + prepaids$9,536.63
Your down payment is the seller’s equity. You take over the $133,758 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $155,678.45 is due at closing. Uses and sources reconcile at $289,436.63 each. Not a Closing Disclosure.