Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$123,925Cash toward the purchase price.
Closing costs + prepaids$9,637Not just lender fees.
Before credits & paid funds$133,562The complete starting cash picture.
Estimated remaining funds due at closing
$133,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,925.18
Your down payment$123,925.18
Closing costs + prepaids$9,637.09
Total buyer cash needed$133,562.27
Remaining funds due$133,562.27
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%)$455.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,796.25
Prepaid interest, first (2 days)$17.47
Fees + prepaids$9,637.09
Your down payment is the seller’s equity. You take over the $91,075 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $133,562.27 is due at closing. Uses and sources reconcile at $224,637.09 each. Not a Closing Disclosure.