Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,840Cash toward the purchase price.
Closing costs + prepaids$7,455Not just lender fees.
Before credits & paid funds$41,295The complete starting cash picture.
Estimated remaining funds due at closing
$41,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,839.76
Your down payment$33,839.76
Closing costs + prepaids$7,454.97
Total buyer cash needed$41,294.74
Remaining funds due$41,294.74
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%)$480.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$274.50
Prepaid interest, first (24 days)$183.17
Fees + prepaids$7,454.97
Your down payment is the seller’s equity. You take over the $96,060 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $41,294.74 is due at closing. Uses and sources reconcile at $137,354.97 each. Not a Closing Disclosure.