Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$124,621Cash toward the purchase price.
Closing costs + prepaids$9,886Not just lender fees.
Before credits & paid funds$134,506The complete starting cash picture.
Estimated remaining funds due at closing
$134,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,620.50
Your down payment$124,620.50
Closing costs + prepaids$9,885.85
Total buyer cash needed$134,506.35
Remaining funds due$134,506.35
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$801.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$642.25
Prepaid interest, first (27 days)$373.71
Fees + prepaids$9,885.85
Your down payment is the seller’s equity. You take over the $160,379 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $134,506.35 is due at closing. Uses and sources reconcile at $294,885.85 each. Not a Closing Disclosure.