Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$138,759Cash toward the purchase price.
Closing costs + prepaids$9,372Not just lender fees.
Before credits & paid funds$148,131The complete starting cash picture.
Estimated remaining funds due at closing
$148,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,759.39
Your down payment$138,759.39
Closing costs + prepaids$9,371.57
Total buyer cash needed$148,130.95
Remaining funds due$148,130.95
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%)$2,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$591.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$642.50
Prepaid interest, first (30 days)$349.86
Fees + prepaids$9,371.57
Your down payment is the seller’s equity. You take over the $118,241 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $148,130.95 is due at closing. Uses and sources reconcile at $266,371.57 each. Not a Closing Disclosure.