Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$135,635Cash toward the purchase price.
Closing costs + prepaids$9,255Not just lender fees.
Before credits & paid funds$144,890The complete starting cash picture.
Estimated remaining funds due at closing
$144,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,635.18
Your down payment$135,635.18
Closing costs + prepaids$9,255.26
Total buyer cash needed$144,890.44
Remaining funds due$144,890.44
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$716.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$7.25
Prepaid interest, first (30 days)$523.18
Fees + prepaids$9,255.26
Your down payment is the seller’s equity. You take over the $143,365 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $144,890.44 is due at closing. Uses and sources reconcile at $288,255.26 each. Not a Closing Disclosure.