Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$131,729Cash toward the purchase price.
Closing costs + prepaids$9,334Not just lender fees.
Before credits & paid funds$141,063The complete starting cash picture.
Estimated remaining funds due at closing
$141,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,729.48
Your down payment$131,729.48
Closing costs + prepaids$9,333.59
Total buyer cash needed$141,063.08
Remaining funds due$141,063.08
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$666.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.00
Initial HOA (3 months)$99.00
Prepaid interest, first (26 days)$295.24
Fees + prepaids$9,333.59
Your down payment is the seller’s equity. You take over the $133,271 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $141,063.08 is due at closing. Uses and sources reconcile at $274,333.59 each. Not a Closing Disclosure.