Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$103,859Cash toward the purchase price.
Closing costs + prepaids$8,588Not just lender fees.
Before credits & paid funds$112,448The complete starting cash picture.
Estimated remaining funds due at closing
$112,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,859.45
Your down payment$103,859.45
Closing costs + prepaids$8,588.24
Total buyer cash needed$112,447.69
Remaining funds due$112,447.69
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%)$1,869.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$415.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$206.25
Initial HOA (3 months)$621.00
Prepaid interest, first (25 days)$258.79
Fees + prepaids$8,588.24
Your down payment is the seller’s equity. You take over the $83,041 balance, so the rest of the $186,900 price is paid at closing. A second mortgage can cover part of it. $112,447.69 is due at closing. Uses and sources reconcile at $195,488.24 each. Not a Closing Disclosure.