Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$95,111Cash toward the purchase price.
Closing costs + prepaids$8,454Not just lender fees.
Before credits & paid funds$103,565The complete starting cash picture.
Estimated remaining funds due at closing
$103,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,111.05
Your down payment$95,111.05
Closing costs + prepaids$8,454.13
Total buyer cash needed$103,565.18
Remaining funds due$103,565.18
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$523.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.75
Prepaid interest, first (26 days)$328.43
Fees + prepaids$8,454.13
Your down payment is the seller’s equity. You take over the $104,789 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $103,565.18 is due at closing. Uses and sources reconcile at $208,354.13 each. Not a Closing Disclosure.