Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$123,441Cash toward the purchase price.
Closing costs + prepaids$9,729Not just lender fees.
Before credits & paid funds$133,170The complete starting cash picture.
Estimated remaining funds due at closing
$133,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,441.27
Your down payment$123,441.27
Closing costs + prepaids$9,728.54
Total buyer cash needed$133,169.81
Remaining funds due$133,169.81
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$527.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$584.00
Initial HOA (3 months)$1,056.00
Prepaid interest, first (4 days)$52.75
Fees + prepaids$9,728.54
Your down payment is the seller’s equity. You take over the $105,559 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $133,169.81 is due at closing. Uses and sources reconcile at $238,728.54 each. Not a Closing Disclosure.