Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$116,611Cash toward the purchase price.
Closing costs + prepaids$8,420Not just lender fees.
Before credits & paid funds$125,031The complete starting cash picture.
Estimated remaining funds due at closing
$125,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,611.12
Your down payment$116,611.12
Closing costs + prepaids$8,419.82
Total buyer cash needed$125,030.94
Remaining funds due$125,030.94
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%)$491.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (2 days)$22.37
Fees + prepaids$8,419.82
Your down payment is the seller’s equity. You take over the $98,389 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $125,030.94 is due at closing. Uses and sources reconcile at $223,419.82 each. Not a Closing Disclosure.