Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$150,923Cash toward the purchase price.
Closing costs + prepaids$8,356Not just lender fees.
Before credits & paid funds$159,279The complete starting cash picture.
Estimated remaining funds due at closing
$159,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,923.07
Your down payment$150,923.07
Closing costs + prepaids$8,355.57
Total buyer cash needed$159,278.64
Remaining funds due$159,278.64
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$420.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$194.75
Prepaid interest, first (19 days)$172.44
Fees + prepaids$8,355.57
Your down payment is the seller’s equity. You take over the $84,077 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $159,278.64 is due at closing. Uses and sources reconcile at $243,355.57 each. Not a Closing Disclosure.