Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$116,438Cash toward the purchase price.
Closing costs + prepaids$9,452Not just lender fees.
Before credits & paid funds$125,890The complete starting cash picture.
Estimated remaining funds due at closing
$125,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,437.57
Your down payment$116,437.57
Closing costs + prepaids$9,452.49
Total buyer cash needed$125,890.06
Remaining funds due$125,890.06
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$592.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.50
Initial HOA (3 months)$675.00
Prepaid interest, first (24 days)$233.68
Fees + prepaids$9,452.49
Your down payment is the seller’s equity. You take over the $118,462 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $125,890.06 is due at closing. Uses and sources reconcile at $244,352.49 each. Not a Closing Disclosure.