Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$129,345Cash toward the purchase price.
Closing costs + prepaids$9,859Not just lender fees.
Before credits & paid funds$139,204The complete starting cash picture.
Estimated remaining funds due at closing
$139,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,344.97
Your down payment$129,344.97
Closing costs + prepaids$9,858.73
Total buyer cash needed$139,203.69
Remaining funds due$139,203.69
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$678.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,045.75
Prepaid interest, first (24 days)$266.70
Fees + prepaids$9,858.73
Your down payment is the seller’s equity. You take over the $135,655 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $139,203.69 is due at closing. Uses and sources reconcile at $274,858.73 each. Not a Closing Disclosure.