Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$109,329Cash toward the purchase price.
Closing costs + prepaids$8,439Not just lender fees.
Before credits & paid funds$117,768The complete starting cash picture.
Estimated remaining funds due at closing
$117,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,328.79
Your down payment$109,328.79
Closing costs + prepaids$8,438.74
Total buyer cash needed$117,767.53
Remaining funds due$117,767.53
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$448.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$497.50
Prepaid interest, first (26 days)$284.88
Fees + prepaids$8,438.74
Your down payment is the seller’s equity. You take over the $89,671 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $117,767.53 is due at closing. Uses and sources reconcile at $207,438.74 each. Not a Closing Disclosure.