Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$106,005Cash toward the purchase price.
Closing costs + prepaids$10,146Not just lender fees.
Before credits & paid funds$116,151The complete starting cash picture.
Estimated remaining funds due at closing
$116,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,004.63
Your down payment$106,004.63
Closing costs + prepaids$10,146.32
Total buyer cash needed$116,150.95
Remaining funds due$116,150.95
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%)$2,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$654.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,473.75
Prepaid interest, first (30 days)$429.59
Fees + prepaids$10,146.32
Your down payment is the seller’s equity. You take over the $130,995 balance, so the rest of the $237,000 price is paid at closing. A second mortgage can cover part of it. $116,150.95 is due at closing. Uses and sources reconcile at $247,146.32 each. Not a Closing Disclosure.