Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$142,598Cash toward the purchase price.
Closing costs + prepaids$9,650Not just lender fees.
Before credits & paid funds$152,248The complete starting cash picture.
Estimated remaining funds due at closing
$152,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,597.81
Your down payment$142,597.81
Closing costs + prepaids$9,650.23
Total buyer cash needed$152,248.05
Remaining funds due$152,248.05
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$462.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$231.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (30 days)$338.72
Fees + prepaids$9,650.23
Your down payment is the seller’s equity. You take over the $92,402 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $152,248.05 is due at closing. Uses and sources reconcile at $244,650.23 each. Not a Closing Disclosure.