Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$92,771Cash toward the purchase price.
Closing costs + prepaids$8,242Not just lender fees.
Before credits & paid funds$101,012The complete starting cash picture.
Estimated remaining funds due at closing
$101,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,770.61
Your down payment$92,770.61
Closing costs + prepaids$8,241.58
Total buyer cash needed$101,012.19
Remaining funds due$101,012.19
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%)$1,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$481.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.50
Prepaid interest, first (25 days)$179.94
Fees + prepaids$8,241.58
Your down payment is the seller’s equity. You take over the $96,229 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $101,012.19 is due at closing. Uses and sources reconcile at $197,241.58 each. Not a Closing Disclosure.