Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$145,413Cash toward the purchase price.
Closing costs + prepaids$9,402Not just lender fees.
Before credits & paid funds$154,815The complete starting cash picture.
Estimated remaining funds due at closing
$154,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,413.12
Your down payment$145,413.12
Closing costs + prepaids$9,401.81
Total buyer cash needed$154,814.93
Remaining funds due$154,814.93
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$597.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.50
Prepaid interest, first (28 days)$273.38
Fees + prepaids$9,401.81
Your down payment is the seller’s equity. You take over the $119,587 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $154,814.93 is due at closing. Uses and sources reconcile at $274,401.81 each. Not a Closing Disclosure.