Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$136,885Cash toward the purchase price.
Closing costs + prepaids$8,534Not just lender fees.
Before credits & paid funds$145,419The complete starting cash picture.
Estimated remaining funds due at closing
$145,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,884.87
Your down payment$136,884.87
Closing costs + prepaids$8,534.24
Total buyer cash needed$145,419.11
Remaining funds due$145,419.11
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$465.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$272.75
Prepaid interest, first (26 days)$277.92
Fees + prepaids$8,534.24
Your down payment is the seller’s equity. You take over the $93,115 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $145,419.11 is due at closing. Uses and sources reconcile at $238,534.24 each. Not a Closing Disclosure.