Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$111,253Cash toward the purchase price.
Closing costs + prepaids$9,068Not just lender fees.
Before credits & paid funds$120,321The complete starting cash picture.
Estimated remaining funds due at closing
$120,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,253.15
Your down payment$111,253.15
Closing costs + prepaids$9,067.85
Total buyer cash needed$120,321.00
Remaining funds due$120,321.00
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%)$618.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$494.75
Prepaid interest, first (28 days)$386.36
Fees + prepaids$9,067.85
Your down payment is the seller’s equity. You take over the $123,747 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $120,321.00 is due at closing. Uses and sources reconcile at $244,067.85 each. Not a Closing Disclosure.