Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$103,832Cash toward the purchase price.
Closing costs + prepaids$8,976Not just lender fees.
Before credits & paid funds$112,808The complete starting cash picture.
Estimated remaining funds due at closing
$112,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,831.97
Your down payment$103,831.97
Closing costs + prepaids$8,976.21
Total buyer cash needed$112,808.18
Remaining funds due$112,808.18
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$605.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$667.50
Prepaid interest, first (25 days)$234.87
Fees + prepaids$8,976.21
Your down payment is the seller’s equity. You take over the $121,168 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $112,808.18 is due at closing. Uses and sources reconcile at $233,976.21 each. Not a Closing Disclosure.