Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$145,066Cash toward the purchase price.
Closing costs + prepaids$8,334Not just lender fees.
Before credits & paid funds$153,400The complete starting cash picture.
Estimated remaining funds due at closing
$153,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,065.94
Your down payment$145,065.94
Closing costs + prepaids$8,334.42
Total buyer cash needed$153,400.36
Remaining funds due$153,400.36
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$424.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.50
Prepaid interest, first (16 days)$104.25
Fees + prepaids$8,334.42
Your down payment is the seller’s equity. You take over the $84,934 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $153,400.36 is due at closing. Uses and sources reconcile at $238,334.42 each. Not a Closing Disclosure.