Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$125,913Cash toward the purchase price.
Closing costs + prepaids$9,567Not just lender fees.
Before credits & paid funds$135,480The complete starting cash picture.
Estimated remaining funds due at closing
$135,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,912.81
Your down payment$125,912.81
Closing costs + prepaids$9,566.71
Total buyer cash needed$135,479.51
Remaining funds due$135,479.51
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$520.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,357.00
Prepaid interest, first (22 days)$171.27
Fees + prepaids$9,566.71
Your down payment is the seller’s equity. You take over the $104,087 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $135,479.51 is due at closing. Uses and sources reconcile at $239,566.71 each. Not a Closing Disclosure.