Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$140,984Cash toward the purchase price.
Closing costs + prepaids$9,569Not just lender fees.
Before credits & paid funds$150,554The complete starting cash picture.
Estimated remaining funds due at closing
$150,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,984.28
Your down payment$140,984.28
Closing costs + prepaids$9,569.45
Total buyer cash needed$150,553.73
Remaining funds due$150,553.73
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%)$2,789.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$690.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$609.50
Prepaid interest, first (22 days)$262.02
Fees + prepaids$9,569.45
Your down payment is the seller’s equity. You take over the $138,006 balance, so the rest of the $278,990 price is paid at closing. A second mortgage can cover part of it. $150,553.73 is due at closing. Uses and sources reconcile at $288,559.45 each. Not a Closing Disclosure.