Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$128,447Cash toward the purchase price.
Closing costs + prepaids$10,519Not just lender fees.
Before credits & paid funds$138,966The complete starting cash picture.
Estimated remaining funds due at closing
$138,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,446.73
Your down payment$128,446.73
Closing costs + prepaids$10,519.47
Total buyer cash needed$138,966.20
Remaining funds due$138,966.20
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$682.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,657.25
Prepaid interest, first (25 days)$311.45
Fees + prepaids$10,519.47
Your down payment is the seller’s equity. You take over the $136,553 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $138,966.20 is due at closing. Uses and sources reconcile at $275,519.47 each. Not a Closing Disclosure.