Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,222Cash toward the purchase price.
Closing costs + prepaids$10,009Not just lender fees.
Before credits & paid funds$141,231The complete starting cash picture.
Estimated remaining funds due at closing
$141,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,221.62
Your down payment$131,221.62
Closing costs + prepaids$10,009.41
Total buyer cash needed$141,231.03
Remaining funds due$141,231.03
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%)$2,379.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$533.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,553.75
Prepaid interest, first (31 days)$325.27
Fees + prepaids$10,009.41
Your down payment is the seller’s equity. You take over the $106,678 balance, so the rest of the $237,900 price is paid at closing. A second mortgage can cover part of it. $141,231.03 is due at closing. Uses and sources reconcile at $247,909.41 each. Not a Closing Disclosure.