Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$105,748Cash toward the purchase price.
Closing costs + prepaids$8,821Not just lender fees.
Before credits & paid funds$114,569The complete starting cash picture.
Estimated remaining funds due at closing
$114,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,748.00
Your down payment$105,748.00
Closing costs + prepaids$8,820.95
Total buyer cash needed$114,568.95
Remaining funds due$114,568.95
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$646.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$587.50
Prepaid interest, first (2 days)$19.19
Fees + prepaids$8,820.95
Your down payment is the seller’s equity. You take over the $129,252 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $114,568.95 is due at closing. Uses and sources reconcile at $243,820.95 each. Not a Closing Disclosure.