Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$26,561Cash toward the purchase price.
Closing costs + prepaids$8,571Not just lender fees.
Before credits & paid funds$35,132The complete starting cash picture.
Estimated remaining funds due at closing
$35,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,560.98
Your down payment$26,560.98
Closing costs + prepaids$8,571.34
Total buyer cash needed$35,132.31
Remaining funds due$35,132.31
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%)$1,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$462.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (30 days)$224.89
Fees + prepaids$8,571.34
Your down payment is the seller’s equity. You take over the $92,439 balance, so the rest of the $119,000 price is paid at closing. A second mortgage can cover part of it. $35,132.31 is due at closing. Uses and sources reconcile at $127,571.34 each. Not a Closing Disclosure.