Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$135,047Cash toward the purchase price.
Closing costs + prepaids$7,884Not just lender fees.
Before credits & paid funds$142,931The complete starting cash picture.
Estimated remaining funds due at closing
$142,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,046.71
Your down payment$135,046.71
Closing costs + prepaids$7,883.83
Total buyer cash needed$142,930.53
Remaining funds due$142,930.53
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$324.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$250.00
Prepaid interest, first (17 days)$91.06
Fees + prepaids$7,883.83
Your down payment is the seller’s equity. You take over the $64,953 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $142,930.53 is due at closing. Uses and sources reconcile at $207,883.83 each. Not a Closing Disclosure.