Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$120,794Cash toward the purchase price.
Closing costs + prepaids$10,734Not just lender fees.
Before credits & paid funds$131,529The complete starting cash picture.
Estimated remaining funds due at closing
$131,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,794.39
Your down payment$120,794.39
Closing costs + prepaids$10,734.45
Total buyer cash needed$131,528.84
Remaining funds due$131,528.84
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%)$2,555.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$673.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,923.00
Prepaid interest, first (24 days)$364.92
Fees + prepaids$10,734.45
Your down payment is the seller’s equity. You take over the $134,706 balance, so the rest of the $255,500 price is paid at closing. A second mortgage can cover part of it. $131,528.84 is due at closing. Uses and sources reconcile at $266,234.45 each. Not a Closing Disclosure.