Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$137,750Cash toward the purchase price.
Closing costs + prepaids$8,015Not just lender fees.
Before credits & paid funds$145,765The complete starting cash picture.
Estimated remaining funds due at closing
$145,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,749.80
Your down payment$137,749.80
Closing costs + prepaids$8,015.14
Total buyer cash needed$145,764.94
Remaining funds due$145,764.94
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%)$2,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$385.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$100.50
Prepaid interest, first (23 days)$161.89
Fees + prepaids$8,015.14
Your down payment is the seller’s equity. You take over the $77,150 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $145,764.94 is due at closing. Uses and sources reconcile at $222,915.14 each. Not a Closing Disclosure.