Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$106,700Cash toward the purchase price.
Closing costs + prepaids$26,755Not just lender fees.
Before credits & paid funds$133,455The complete starting cash picture.
Estimated remaining funds due at closing
$133,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,700.31
Your down payment$106,700.31
Closing costs + prepaids$26,754.74
Total buyer cash needed$133,455.05
Remaining funds due$133,455.05
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$641.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$17,525.00
Initial HOA (3 months)$630.00
Prepaid interest, first (26 days)$390.24
Fees + prepaids$26,754.74
Your down payment is the seller’s equity. You take over the $128,300 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $133,455.05 is due at closing. Uses and sources reconcile at $261,754.74 each. Not a Closing Disclosure.