Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$118,231Cash toward the purchase price.
Closing costs + prepaids$8,028Not just lender fees.
Before credits & paid funds$126,259The complete starting cash picture.
Estimated remaining funds due at closing
$126,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,231.49
Your down payment$118,231.49
Closing costs + prepaids$8,027.64
Total buyer cash needed$126,259.13
Remaining funds due$126,259.13
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%)$1,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$133.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$174.00
Initial HOA (3 months)$1,017.00
Prepaid interest, first (12 days)$36.30
Fees + prepaids$8,027.64
Your down payment is the seller’s equity. You take over the $26,669 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $126,259.13 is due at closing. Uses and sources reconcile at $152,927.64 each. Not a Closing Disclosure.