Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$98,323Cash toward the purchase price.
Closing costs + prepaids$8,469Not just lender fees.
Before credits & paid funds$106,792The complete starting cash picture.
Estimated remaining funds due at closing
$106,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,322.97
Your down payment$98,322.97
Closing costs + prepaids$8,469.15
Total buyer cash needed$106,792.12
Remaining funds due$106,792.12
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%)$2,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$648.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.25
Prepaid interest, first (2 days)$24.51
Fees + prepaids$8,469.15
Your down payment is the seller’s equity. You take over the $129,677 balance, so the rest of the $228,000 price is paid at closing. A second mortgage can cover part of it. $106,792.12 is due at closing. Uses and sources reconcile at $236,469.15 each. Not a Closing Disclosure.