Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$140,097Cash toward the purchase price.
Closing costs + prepaids$9,361Not just lender fees.
Before credits & paid funds$149,458The complete starting cash picture.
Estimated remaining funds due at closing
$149,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,097.21
Your down payment$140,097.21
Closing costs + prepaids$9,360.52
Total buyer cash needed$149,457.73
Remaining funds due$149,457.73
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$724.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.25
Prepaid interest, first (14 days)$211.76
Fees + prepaids$9,360.52
Your down payment is the seller’s equity. You take over the $144,903 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $149,457.73 is due at closing. Uses and sources reconcile at $294,360.52 each. Not a Closing Disclosure.