Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$126,980Cash toward the purchase price.
Closing costs + prepaids$10,401Not just lender fees.
Before credits & paid funds$137,381The complete starting cash picture.
Estimated remaining funds due at closing
$137,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,980.47
Your down payment$126,980.47
Closing costs + prepaids$10,400.76
Total buyer cash needed$137,381.24
Remaining funds due$137,381.24
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%)$2,335.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$532.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.50
Initial HOA (3 months)$1,620.00
Prepaid interest, first (28 days)$260.67
Fees + prepaids$10,400.76
Your down payment is the seller’s equity. You take over the $106,520 balance, so the rest of the $233,500 price is paid at closing. A second mortgage can cover part of it. $137,381.24 is due at closing. Uses and sources reconcile at $243,900.76 each. Not a Closing Disclosure.