Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,436Cash toward the purchase price.
Closing costs + prepaids$7,767Not just lender fees.
Before credits & paid funds$29,203The complete starting cash picture.
Estimated remaining funds due at closing
$29,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,436.25
Your down payment$21,436.25
Closing costs + prepaids$7,766.62
Total buyer cash needed$29,202.87
Remaining funds due$29,202.87
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%)$542.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$146.50
Prepaid interest, first (28 days)$560.80
Fees + prepaids$7,766.62
Your down payment is the seller’s equity. You take over the $108,464 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $29,202.87 is due at closing. Uses and sources reconcile at $137,666.62 each. Not a Closing Disclosure.