Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$133,472Cash toward the purchase price.
Closing costs + prepaids$9,975Not just lender fees.
Before credits & paid funds$143,447The complete starting cash picture.
Estimated remaining funds due at closing
$143,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,472.44
Your down payment$133,472.44
Closing costs + prepaids$9,974.73
Total buyer cash needed$143,447.17
Remaining funds due$143,447.17
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$607.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.00
Initial HOA (3 months)$1,110.00
Prepaid interest, first (9 days)$183.09
Fees + prepaids$9,974.73
Your down payment is the seller’s equity. You take over the $121,528 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $143,447.17 is due at closing. Uses and sources reconcile at $264,974.73 each. Not a Closing Disclosure.