Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$130,353Cash toward the purchase price.
Closing costs + prepaids$8,683Not just lender fees.
Before credits & paid funds$139,036The complete starting cash picture.
Estimated remaining funds due at closing
$139,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,353.15
Your down payment$130,353.15
Closing costs + prepaids$8,683.14
Total buyer cash needed$139,036.29
Remaining funds due$139,036.29
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%)$2,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$497.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.00
Prepaid interest, first (22 days)$275.40
Fees + prepaids$8,683.14
Your down payment is the seller’s equity. You take over the $99,547 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $139,036.29 is due at closing. Uses and sources reconcile at $238,583.14 each. Not a Closing Disclosure.