Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$137,891Cash toward the purchase price.
Closing costs + prepaids$9,507Not just lender fees.
Before credits & paid funds$147,399The complete starting cash picture.
Estimated remaining funds due at closing
$147,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,891.21
Your down payment$137,891.21
Closing costs + prepaids$9,507.37
Total buyer cash needed$147,398.58
Remaining funds due$147,398.58
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$710.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$471.25
Prepaid interest, first (24 days)$309.07
Fees + prepaids$9,507.37
Your down payment is the seller’s equity. You take over the $142,009 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $147,398.58 is due at closing. Uses and sources reconcile at $289,407.37 each. Not a Closing Disclosure.