Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,858Cash toward the purchase price.
Closing costs + prepaids$9,154Not just lender fees.
Before credits & paid funds$140,012The complete starting cash picture.
Estimated remaining funds due at closing
$140,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,858.01
Your down payment$130,858.01
Closing costs + prepaids$9,154.10
Total buyer cash needed$140,012.11
Remaining funds due$140,012.11
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%)$2,749.29
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$720.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$187.00
Prepaid interest, first (24 days)$279.46
Fees + prepaids$9,154.10
Your down payment is the seller’s equity. You take over the $144,071 balance, so the rest of the $274,929 price is paid at closing. A second mortgage can cover part of it. $140,012.11 is due at closing. Uses and sources reconcile at $284,083.10 each. Not a Closing Disclosure.