Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,701Cash toward the purchase price.
Closing costs + prepaids$7,290Not just lender fees.
Before credits & paid funds$139,991The complete starting cash picture.
Estimated remaining funds due at closing
$139,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,700.75
Your down payment$132,700.75
Closing costs + prepaids$7,289.80
Total buyer cash needed$139,990.55
Remaining funds due$139,990.55
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%)$1,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$36.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.50
Prepaid interest, first (27 days)$12.30
Fees + prepaids$7,289.80
Your down payment is the seller’s equity. You take over the $7,199 balance, so the rest of the $139,900 price is paid at closing. A second mortgage can cover part of it. $139,990.55 is due at closing. Uses and sources reconcile at $147,189.80 each. Not a Closing Disclosure.