Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$101,440Cash toward the purchase price.
Closing costs + prepaids$9,637Not just lender fees.
Before credits & paid funds$111,077The complete starting cash picture.
Estimated remaining funds due at closing
$111,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,439.63
Your down payment$101,439.63
Closing costs + prepaids$9,637.04
Total buyer cash needed$111,076.68
Remaining funds due$111,076.68
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%)$2,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$640.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,272.25
Prepaid interest, first (22 days)$211.49
Fees + prepaids$9,637.04
Your down payment is the seller’s equity. You take over the $128,060 balance, so the rest of the $229,500 price is paid at closing. A second mortgage can cover part of it. $111,076.68 is due at closing. Uses and sources reconcile at $239,137.04 each. Not a Closing Disclosure.