Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$121,282Cash toward the purchase price.
Closing costs + prepaids$9,527Not just lender fees.
Before credits & paid funds$130,809The complete starting cash picture.
Estimated remaining funds due at closing
$130,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,281.77
Your down payment$121,281.77
Closing costs + prepaids$9,526.82
Total buyer cash needed$130,808.59
Remaining funds due$130,808.59
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%)$468.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,457.50
Prepaid interest, first (22 days)$232.73
Fees + prepaids$9,526.82
Your down payment is the seller’s equity. You take over the $93,718 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $130,808.59 is due at closing. Uses and sources reconcile at $224,526.82 each. Not a Closing Disclosure.