Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$108,805Cash toward the purchase price.
Closing costs + prepaids$9,085Not just lender fees.
Before credits & paid funds$117,890The complete starting cash picture.
Estimated remaining funds due at closing
$117,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,805.19
Your down payment$108,805.19
Closing costs + prepaids$9,084.78
Total buyer cash needed$117,889.97
Remaining funds due$117,889.97
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%)$2,329.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$620.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$582.25
Prepaid interest, first (27 days)$335.06
Fees + prepaids$9,084.78
Your down payment is the seller’s equity. You take over the $124,095 balance, so the rest of the $232,900 price is paid at closing. A second mortgage can cover part of it. $117,889.97 is due at closing. Uses and sources reconcile at $241,984.78 each. Not a Closing Disclosure.