Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$138,436Cash toward the purchase price.
Closing costs + prepaids$8,065Not just lender fees.
Before credits & paid funds$146,502The complete starting cash picture.
Estimated remaining funds due at closing
$146,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,436.50
Your down payment$138,436.50
Closing costs + prepaids$8,065.14
Total buyer cash needed$146,501.64
Remaining funds due$146,501.64
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%)$2,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$372.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.25
Prepaid interest, first (14 days)$78.08
Fees + prepaids$8,065.14
Your down payment is the seller’s equity. You take over the $74,564 balance, so the rest of the $213,000 price is paid at closing. A second mortgage can cover part of it. $146,501.64 is due at closing. Uses and sources reconcile at $221,065.14 each. Not a Closing Disclosure.