Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$26,561Cash toward the purchase price.
Closing costs + prepaids$8,261Not just lender fees.
Before credits & paid funds$34,822The complete starting cash picture.
Estimated remaining funds due at closing
$34,822No 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$8,261.18
Total buyer cash needed$34,822.15
Remaining funds due$34,822.15
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)$303.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (5 days)$37.48
Fees + prepaids$8,261.18
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. $34,822.15 is due at closing. Uses and sources reconcile at $127,261.18 each. Not a Closing Disclosure.