Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$115,280Cash toward the purchase price.
Closing costs + prepaids$8,423Not just lender fees.
Before credits & paid funds$123,704The complete starting cash picture.
Estimated remaining funds due at closing
$123,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,280.43
Your down payment$115,280.43
Closing costs + prepaids$8,423.18
Total buyer cash needed$123,703.61
Remaining funds due$123,703.61
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$498.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.00
Prepaid interest, first (29 days)$310.58
Fees + prepaids$8,423.18
Your down payment is the seller’s equity. You take over the $99,720 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $123,703.61 is due at closing. Uses and sources reconcile at $223,423.18 each. Not a Closing Disclosure.