Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$121,660Cash toward the purchase price.
Closing costs + prepaids$8,697Not just lender fees.
Before credits & paid funds$130,357The complete starting cash picture.
Estimated remaining funds due at closing
$130,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,659.81
Your down payment$121,659.81
Closing costs + prepaids$8,697.08
Total buyer cash needed$130,356.89
Remaining funds due$130,356.89
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$536.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$292.25
Prepaid interest, first (26 days)$360.13
Fees + prepaids$8,697.08
Your down payment is the seller’s equity. You take over the $107,340 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $130,356.89 is due at closing. Uses and sources reconcile at $237,697.08 each. Not a Closing Disclosure.