Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$136,981Cash toward the purchase price.
Closing costs + prepaids$9,151Not just lender fees.
Before credits & paid funds$146,132The complete starting cash picture.
Estimated remaining funds due at closing
$146,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,981.43
Your down payment$136,981.43
Closing costs + prepaids$9,150.86
Total buyer cash needed$146,132.29
Remaining funds due$146,132.29
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$614.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$128.25
Prepaid interest, first (27 days)$591.02
Fees + prepaids$9,150.86
Your down payment is the seller’s equity. You take over the $122,919 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $146,132.29 is due at closing. Uses and sources reconcile at $269,050.86 each. Not a Closing Disclosure.