Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$132,441Cash toward the purchase price.
Closing costs + prepaids$8,981Not just lender fees.
Before credits & paid funds$141,422The complete starting cash picture.
Estimated remaining funds due at closing
$141,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,441.13
Your down payment$132,441.13
Closing costs + prepaids$8,980.95
Total buyer cash needed$141,422.08
Remaining funds due$141,422.08
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%)$2,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$532.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.75
Prepaid interest, first (26 days)$474.41
Fees + prepaids$8,980.95
Your down payment is the seller’s equity. You take over the $106,559 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $141,422.08 is due at closing. Uses and sources reconcile at $247,980.95 each. Not a Closing Disclosure.