Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,021Cash toward the purchase price.
Closing costs + prepaids$8,207Not just lender fees.
Before credits & paid funds$115,228The complete starting cash picture.
Estimated remaining funds due at closing
$115,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,021.13
Your down payment$107,021.13
Closing costs + prepaids$8,207.01
Total buyer cash needed$115,228.14
Remaining funds due$115,228.14
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%)$2,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$614.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$59.25
Prepaid interest, first (1 days)$16.36
Fees + prepaids$8,207.01
Your down payment is the seller’s equity. You take over the $122,879 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $115,228.14 is due at closing. Uses and sources reconcile at $238,107.01 each. Not a Closing Disclosure.