Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$137,122Cash toward the purchase price.
Closing costs + prepaids$9,430Not just lender fees.
Before credits & paid funds$146,552The complete starting cash picture.
Estimated remaining funds due at closing
$146,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,122.44
Your down payment$137,122.44
Closing costs + prepaids$9,429.97
Total buyer cash needed$146,552.41
Remaining funds due$146,552.41
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%)$2,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$554.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$949.75
Prepaid interest, first (25 days)$227.83
Fees + prepaids$9,429.97
Your down payment is the seller’s equity. You take over the $110,878 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $146,552.41 is due at closing. Uses and sources reconcile at $257,429.97 each. Not a Closing Disclosure.