Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$108,896Cash toward the purchase price.
Closing costs + prepaids$8,897Not just lender fees.
Before credits & paid funds$117,793The complete starting cash picture.
Estimated remaining funds due at closing
$117,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,895.62
Your down payment$108,895.62
Closing costs + prepaids$8,896.99
Total buyer cash needed$117,792.60
Remaining funds due$117,792.60
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%)$2,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$480.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$126.50
Initial HOA (3 months)$744.00
Prepaid interest, first (27 days)$277.97
Fees + prepaids$8,896.99
Your down payment is the seller’s equity. You take over the $96,104 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $117,792.60 is due at closing. Uses and sources reconcile at $213,896.99 each. Not a Closing Disclosure.