Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$103,446Cash toward the purchase price.
Closing costs + prepaids$9,336Not just lender fees.
Before credits & paid funds$112,782The complete starting cash picture.
Estimated remaining funds due at closing
$112,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,446.17
Your down payment$103,446.17
Closing costs + prepaids$9,335.94
Total buyer cash needed$112,782.10
Remaining funds due$112,782.10
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%)$2,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$605.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$899.00
Prepaid interest, first (28 days)$368.67
Fees + prepaids$9,335.94
Your down payment is the seller’s equity. You take over the $121,054 balance, so the rest of the $224,500 price is paid at closing. A second mortgage can cover part of it. $112,782.10 is due at closing. Uses and sources reconcile at $233,835.94 each. Not a Closing Disclosure.