Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$92,212Cash toward the purchase price.
Closing costs + prepaids$8,613Not just lender fees.
Before credits & paid funds$100,825The complete starting cash picture.
Estimated remaining funds due at closing
$100,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,212.22
Your down payment$92,212.22
Closing costs + prepaids$8,613.18
Total buyer cash needed$100,825.40
Remaining funds due$100,825.40
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%)$2,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$583.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$448.25
Prepaid interest, first (27 days)$273.00
Fees + prepaids$8,613.18
Your down payment is the seller’s equity. You take over the $116,788 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $100,825.40 is due at closing. Uses and sources reconcile at $217,613.18 each. Not a Closing Disclosure.