Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$135,260Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$145,735The complete starting cash picture.
Estimated remaining funds due at closing
$145,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,259.72
Your down payment$135,259.72
Closing costs + prepaids$10,475.59
Total buyer cash needed$145,735.31
Remaining funds due$145,735.31
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$448.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$602.00
Initial HOA (3 months)$1,653.00
Prepaid interest, first (30 days)$303.89
Fees + prepaids$10,475.59
Your down payment is the seller’s equity. You take over the $89,740 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $145,735.31 is due at closing. Uses and sources reconcile at $235,475.59 each. Not a Closing Disclosure.