Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,896Cash toward the purchase price.
Closing costs + prepaids$9,064Not just lender fees.
Before credits & paid funds$147,960The complete starting cash picture.
Estimated remaining funds due at closing
$147,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,895.75
Your down payment$138,895.75
Closing costs + prepaids$9,063.84
Total buyer cash needed$147,959.60
Remaining funds due$147,959.60
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$700.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.00
Prepaid interest, first (1 days)$13.32
Fees + prepaids$9,063.84
Your down payment is the seller’s equity. You take over the $140,104 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $147,959.60 is due at closing. Uses and sources reconcile at $288,063.84 each. Not a Closing Disclosure.