Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$99,958Cash toward the purchase price.
Closing costs + prepaids$9,303Not just lender fees.
Before credits & paid funds$109,261The complete starting cash picture.
Estimated remaining funds due at closing
$109,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,958.19
Your down payment$99,958.19
Closing costs + prepaids$9,302.90
Total buyer cash needed$109,261.09
Remaining funds due$109,261.09
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%)$2,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$724.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.50
Prepaid interest, first (29 days)$354.69
Fees + prepaids$9,302.90
Your down payment is the seller’s equity. You take over the $144,942 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $109,261.09 is due at closing. Uses and sources reconcile at $254,202.90 each. Not a Closing Disclosure.