Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$139,972Cash toward the purchase price.
Closing costs + prepaids$11,417Not just lender fees.
Before credits & paid funds$151,389The complete starting cash picture.
Estimated remaining funds due at closing
$151,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,971.99
Your down payment$139,971.99
Closing costs + prepaids$11,416.66
Total buyer cash needed$151,388.64
Remaining funds due$151,388.64
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$700.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,313.50
Prepaid interest, first (26 days)$385.02
Fees + prepaids$11,416.66
Your down payment is the seller’s equity. You take over the $140,028 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $151,388.64 is due at closing. Uses and sources reconcile at $291,416.66 each. Not a Closing Disclosure.