Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,471Cash toward the purchase price.
Closing costs + prepaids$8,903Not just lender fees.
Before credits & paid funds$109,374The complete starting cash picture.
Estimated remaining funds due at closing
$109,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,471.15
Your down payment$100,471.15
Closing costs + prepaids$8,902.78
Total buyer cash needed$109,373.93
Remaining funds due$109,373.93
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%)$2,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$597.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$42.75
Initial HOA (3 months)$324.00
Prepaid interest, first (25 days)$521.89
Fees + prepaids$8,902.78
Your down payment is the seller’s equity. You take over the $119,429 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $109,373.93 is due at closing. Uses and sources reconcile at $228,802.78 each. Not a Closing Disclosure.