Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$133,140Cash toward the purchase price.
Closing costs + prepaids$9,303Not just lender fees.
Before credits & paid funds$142,443The complete starting cash picture.
Estimated remaining funds due at closing
$142,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,140.14
Your down payment$133,140.14
Closing costs + prepaids$9,303.07
Total buyer cash needed$142,443.20
Remaining funds due$142,443.20
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$479.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$549.25
Initial HOA (3 months)$540.00
Prepaid interest, first (25 days)$226.52
Fees + prepaids$9,303.07
Your down payment is the seller’s equity. You take over the $95,860 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $142,443.20 is due at closing. Uses and sources reconcile at $238,303.07 each. Not a Closing Disclosure.