Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$119,862Cash toward the purchase price.
Closing costs + prepaids$8,887Not just lender fees.
Before credits & paid funds$128,749The complete starting cash picture.
Estimated remaining funds due at closing
$128,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,862.37
Your down payment$119,862.37
Closing costs + prepaids$8,886.87
Total buyer cash needed$128,749.24
Remaining funds due$128,749.24
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$525.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (28 days)$330.68
Fees + prepaids$8,886.87
Your down payment is the seller’s equity. You take over the $105,138 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $128,749.24 is due at closing. Uses and sources reconcile at $233,886.87 each. Not a Closing Disclosure.