Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,509Cash toward the purchase price.
Closing costs + prepaids$8,550Not just lender fees.
Before credits & paid funds$32,059The complete starting cash picture.
Estimated remaining funds due at closing
$32,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,509.37
Your down payment$23,509.37
Closing costs + prepaids$8,549.74
Total buyer cash needed$32,059.11
Remaining funds due$32,059.11
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%)$1,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$527.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$310.25
Initial HOA (3 months)$963.00
Prepaid interest, first (30 days)$241.04
Fees + prepaids$8,549.74
Your down payment is the seller’s equity. You take over the $105,491 balance, so the rest of the $129,000 price is paid at closing. A second mortgage can cover part of it. $32,059.11 is due at closing. Uses and sources reconcile at $137,549.74 each. Not a Closing Disclosure.