Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$117,125Cash toward the purchase price.
Closing costs + prepaids$8,544Not just lender fees.
Before credits & paid funds$125,669The complete starting cash picture.
Estimated remaining funds due at closing
$125,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,124.67
Your down payment$117,124.67
Closing costs + prepaids$8,544.02
Total buyer cash needed$125,668.69
Remaining funds due$125,668.69
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$464.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Prepaid interest, first (25 days)$236.64
Fees + prepaids$8,544.02
Your down payment is the seller’s equity. You take over the $92,875 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $125,668.69 is due at closing. Uses and sources reconcile at $218,544.02 each. Not a Closing Disclosure.