Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$91,039Cash toward the purchase price.
Closing costs + prepaids$8,427Not just lender fees.
Before credits & paid funds$99,465The complete starting cash picture.
Estimated remaining funds due at closing
$99,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,038.70
Your down payment$91,038.70
Closing costs + prepaids$8,426.60
Total buyer cash needed$99,465.30
Remaining funds due$99,465.30
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%)$2,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$594.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$252.00
Prepaid interest, first (29 days)$261.81
Fees + prepaids$8,426.60
Your down payment is the seller’s equity. You take over the $118,960 balance, so the rest of the $209,999 price is paid at closing. A second mortgage can cover part of it. $99,465.30 is due at closing. Uses and sources reconcile at $218,425.60 each. Not a Closing Disclosure.