Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$126,891Cash toward the purchase price.
Closing costs + prepaids$10,526Not just lender fees.
Before credits & paid funds$137,417The complete starting cash picture.
Estimated remaining funds due at closing
$137,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,890.94
Your down payment$126,890.94
Closing costs + prepaids$10,525.84
Total buyer cash needed$137,416.79
Remaining funds due$137,416.79
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%)$3,149.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$940.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$787.50
Prepaid interest, first (27 days)$429.95
Fees + prepaids$10,525.84
Your down payment is the seller’s equity. You take over the $188,099 balance, so the rest of the $314,990 price is paid at closing. A second mortgage can cover part of it. $137,416.79 is due at closing. Uses and sources reconcile at $325,515.84 each. Not a Closing Disclosure.