Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$147,101Cash toward the purchase price.
Closing costs + prepaids$8,214Not just lender fees.
Before credits & paid funds$155,316The complete starting cash picture.
Estimated remaining funds due at closing
$155,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,101.34
Your down payment$147,101.34
Closing costs + prepaids$8,214.19
Total buyer cash needed$155,315.53
Remaining funds due$155,315.53
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$439.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$12.50
Prepaid interest, first (28 days)$194.20
Fees + prepaids$8,214.19
Your down payment is the seller’s equity. You take over the $87,899 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $155,315.53 is due at closing. Uses and sources reconcile at $243,214.19 each. Not a Closing Disclosure.