Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$146,583Cash toward the purchase price.
Closing costs + prepaids$9,545Not just lender fees.
Before credits & paid funds$156,127The complete starting cash picture.
Estimated remaining funds due at closing
$156,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,582.73
Your down payment$146,582.73
Closing costs + prepaids$9,544.69
Total buyer cash needed$156,127.42
Remaining funds due$156,127.42
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$442.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$931.50
Initial HOA (3 months)$438.99
Prepaid interest, first (25 days)$164.12
Fees + prepaids$9,544.69
Your down payment is the seller’s equity. You take over the $88,417 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $156,127.42 is due at closing. Uses and sources reconcile at $244,544.69 each. Not a Closing Disclosure.