Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,030Cash toward the purchase price.
Closing costs + prepaids$8,755Not just lender fees.
Before credits & paid funds$137,786The complete starting cash picture.
Estimated remaining funds due at closing
$137,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,030.14
Your down payment$129,030.14
Closing costs + prepaids$8,755.48
Total buyer cash needed$137,785.61
Remaining funds due$137,785.61
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%)$2,124.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$416.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$738.25
Prepaid interest, first (28 days)$258.38
Fees + prepaids$8,755.48
Your down payment is the seller’s equity. You take over the $83,370 balance, so the rest of the $212,400 price is paid at closing. A second mortgage can cover part of it. $137,785.61 is due at closing. Uses and sources reconcile at $221,155.48 each. Not a Closing Disclosure.