Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$127,101Cash toward the purchase price.
Closing costs + prepaids$8,021Not just lender fees.
Before credits & paid funds$135,122The complete starting cash picture.
Estimated remaining funds due at closing
$135,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,101.34
Your down payment$127,101.34
Closing costs + prepaids$8,021.12
Total buyer cash needed$135,122.46
Remaining funds due$135,122.46
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$439.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$12.50
Prepaid interest, first (29 days)$201.13
Fees + prepaids$8,021.12
Your down payment is the seller’s equity. You take over the $87,899 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $135,122.46 is due at closing. Uses and sources reconcile at $223,021.12 each. Not a Closing Disclosure.