Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,855Cash toward the purchase price.
Closing costs + prepaids$9,486Not just lender fees.
Before credits & paid funds$142,341The complete starting cash picture.
Estimated remaining funds due at closing
$142,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,854.85
Your down payment$132,854.85
Closing costs + prepaids$9,486.43
Total buyer cash needed$142,341.28
Remaining funds due$142,341.28
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%)$660.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.50
Prepaid interest, first (27 days)$295.21
Fees + prepaids$9,486.43
Your down payment is the seller’s equity. You take over the $132,145 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $142,341.28 is due at closing. Uses and sources reconcile at $274,486.43 each. Not a Closing Disclosure.