Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$140,814Cash toward the purchase price.
Closing costs + prepaids$10,267Not just lender fees.
Before credits & paid funds$151,081The complete starting cash picture.
Estimated remaining funds due at closing
$151,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,813.75
Your down payment$140,813.75
Closing costs + prepaids$10,267.35
Total buyer cash needed$151,081.10
Remaining funds due$151,081.10
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%)$2,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$490.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,659.25
Prepaid interest, first (28 days)$509.17
Fees + prepaids$10,267.35
Your down payment is the seller’s equity. You take over the $98,186 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $151,081.10 is due at closing. Uses and sources reconcile at $249,267.35 each. Not a Closing Disclosure.