Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$121,924Cash toward the purchase price.
Closing costs + prepaids$8,675Not just lender fees.
Before credits & paid funds$130,599The complete starting cash picture.
Estimated remaining funds due at closing
$130,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,923.99
Your down payment$121,923.99
Closing costs + prepaids$8,675.48
Total buyer cash needed$130,599.47
Remaining funds due$130,599.47
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%)$2,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$475.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.50
Prepaid interest, first (25 days)$269.60
Fees + prepaids$8,675.48
Your down payment is the seller’s equity. You take over the $95,076 balance, so the rest of the $217,000 price is paid at closing. A second mortgage can cover part of it. $130,599.47 is due at closing. Uses and sources reconcile at $225,675.48 each. Not a Closing Disclosure.