Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$87,833Cash toward the purchase price.
Closing costs + prepaids$8,958Not just lender fees.
Before credits & paid funds$96,790The complete starting cash picture.
Estimated remaining funds due at closing
$96,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,832.51
Your down payment$87,832.51
Closing costs + prepaids$8,957.60
Total buyer cash needed$96,790.11
Remaining funds due$96,790.11
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$705.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$262.25
Prepaid interest, first (25 days)$481.52
Fees + prepaids$8,957.60
Your down payment is the seller’s equity. You take over the $141,167 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $96,790.11 is due at closing. Uses and sources reconcile at $237,957.60 each. Not a Closing Disclosure.