Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$101,166Cash toward the purchase price.
Closing costs + prepaids$7,933Not just lender fees.
Before credits & paid funds$109,099The complete starting cash picture.
Estimated remaining funds due at closing
$109,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,165.95
Your down payment$101,165.95
Closing costs + prepaids$7,933.48
Total buyer cash needed$109,099.43
Remaining funds due$109,099.43
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%)$139.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$154.75
Initial HOA (3 months)$1,074.00
Prepaid interest, first (12 days)$57.56
Fees + prepaids$7,933.48
Your down payment is the seller’s equity. You take over the $27,834 balance, so the rest of the $129,000 price is paid at closing. A second mortgage can cover part of it. $109,099.43 is due at closing. Uses and sources reconcile at $136,933.48 each. Not a Closing Disclosure.