Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$144,926Cash toward the purchase price.
Closing costs + prepaids$9,532Not just lender fees.
Before credits & paid funds$154,458The complete starting cash picture.
Estimated remaining funds due at closing
$154,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,925.60
Your down payment$144,925.60
Closing costs + prepaids$9,532.24
Total buyer cash needed$154,457.84
Remaining funds due$154,457.84
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%)$2,310.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$430.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,487.75
Prepaid interest, first (22 days)$86.12
Fees + prepaids$9,532.24
Your down payment is the seller’s equity. You take over the $86,074 balance, so the rest of the $231,000 price is paid at closing. A second mortgage can cover part of it. $154,457.84 is due at closing. Uses and sources reconcile at $240,532.24 each. Not a Closing Disclosure.