Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,773Cash toward the purchase price.
Closing costs + prepaids$8,528Not just lender fees.
Before credits & paid funds$140,302The complete starting cash picture.
Estimated remaining funds due at closing
$140,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,773.40
Your down payment$131,773.40
Closing costs + prepaids$8,528.24
Total buyer cash needed$140,301.65
Remaining funds due$140,301.65
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%)$536.13
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 (1 days)$18.36
Fees + prepaids$8,528.24
Your down payment is the seller’s equity. You take over the $107,227 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $140,301.65 is due at closing. Uses and sources reconcile at $247,528.24 each. Not a Closing Disclosure.