Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,158Cash toward the purchase price.
Closing costs + prepaids$8,484Not just lender fees.
Before credits & paid funds$152,642The complete starting cash picture.
Estimated remaining funds due at closing
$152,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,158.00
Your down payment$144,158.00
Closing costs + prepaids$8,483.76
Total buyer cash needed$152,641.77
Remaining funds due$152,641.77
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$354.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (26 days)$224.05
Fees + prepaids$8,483.76
Your down payment is the seller’s equity. You take over the $70,842 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $152,641.77 is due at closing. Uses and sources reconcile at $223,483.76 each. Not a Closing Disclosure.