Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$117,600Cash toward the purchase price.
Closing costs + prepaids$8,856Not just lender fees.
Before credits & paid funds$126,456The complete starting cash picture.
Estimated remaining funds due at closing
$126,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,600.30
Your down payment$117,600.30
Closing costs + prepaids$8,855.51
Total buyer cash needed$126,455.80
Remaining funds due$126,455.80
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%)$2,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$636.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$281.75
Prepaid interest, first (27 days)$270.26
Fees + prepaids$8,855.51
Your down payment is the seller’s equity. You take over the $127,300 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $126,455.80 is due at closing. Uses and sources reconcile at $253,755.51 each. Not a Closing Disclosure.