Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$132,624Cash toward the purchase price.
Closing costs + prepaids$9,211Not just lender fees.
Before credits & paid funds$141,836The complete starting cash picture.
Estimated remaining funds due at closing
$141,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,624.20
Your down payment$132,624.20
Closing costs + prepaids$9,211.37
Total buyer cash needed$141,835.57
Remaining funds due$141,835.57
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$411.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$222.75
Initial HOA (3 months)$900.00
Prepaid interest, first (20 days)$308.74
Fees + prepaids$9,211.37
Your down payment is the seller’s equity. You take over the $82,376 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $141,835.57 is due at closing. Uses and sources reconcile at $224,211.37 each. Not a Closing Disclosure.