Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$14,962Cash toward the purchase price.
Closing costs + prepaids$9,679Not just lender fees.
Before credits & paid funds$24,640The complete starting cash picture.
Estimated remaining funds due at closing
$24,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,961.57
Your down payment$14,961.57
Closing costs + prepaids$9,678.82
Total buyer cash needed$24,640.39
Remaining funds due$24,640.39
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%)$1,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$600.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$340.75
Initial HOA (3 months)$1,866.00
Prepaid interest, first (24 days)$303.88
Fees + prepaids$9,678.82
Your down payment is the seller’s equity. You take over the $120,038 balance, so the rest of the $135,000 price is paid at closing. A second mortgage can cover part of it. $24,640.39 is due at closing. Uses and sources reconcile at $144,678.82 each. Not a Closing Disclosure.