Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$138,668Cash toward the purchase price.
Closing costs + prepaids$8,942Not just lender fees.
Before credits & paid funds$147,610The complete starting cash picture.
Estimated remaining funds due at closing
$147,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,668.05
Your down payment$138,668.05
Closing costs + prepaids$8,942.17
Total buyer cash needed$147,610.22
Remaining funds due$147,610.22
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$456.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$678.50
Prepaid interest, first (30 days)$289.01
Fees + prepaids$8,942.17
Your down payment is the seller’s equity. You take over the $91,332 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $147,610.22 is due at closing. Uses and sources reconcile at $238,942.17 each. Not a Closing Disclosure.