Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,787Cash toward the purchase price.
Closing costs + prepaids$7,725Not just lender fees.
Before credits & paid funds$23,512The complete starting cash picture.
Estimated remaining funds due at closing
$23,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,786.74
Your down payment$15,786.74
Closing costs + prepaids$7,725.27
Total buyer cash needed$23,512.01
Remaining funds due$23,512.01
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%)$1,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$570.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.75
Prepaid interest, first (26 days)$312.95
Fees + prepaids$7,725.27
Your down payment is the seller’s equity. You take over the $114,113 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $23,512.01 is due at closing. Uses and sources reconcile at $137,625.27 each. Not a Closing Disclosure.