Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$128,289Cash toward the purchase price.
Closing costs + prepaids$8,393Not just lender fees.
Before credits & paid funds$136,682The complete starting cash picture.
Estimated remaining funds due at closing
$136,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,289.40
Your down payment$128,289.40
Closing costs + prepaids$8,392.70
Total buyer cash needed$136,682.10
Remaining funds due$136,682.10
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$508.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$162.50
Prepaid interest, first (21 days)$203.64
Fees + prepaids$8,392.70
Your down payment is the seller’s equity. You take over the $101,711 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $136,682.10 is due at closing. Uses and sources reconcile at $238,392.70 each. Not a Closing Disclosure.