Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$93,422Cash toward the purchase price.
Closing costs + prepaids$9,311Not just lender fees.
Before credits & paid funds$102,733The complete starting cash picture.
Estimated remaining funds due at closing
$102,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,421.97
Your down payment$93,421.97
Closing costs + prepaids$9,310.96
Total buyer cash needed$102,732.93
Remaining funds due$102,732.93
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%)$2,420.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$742.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$611.75
Prepaid interest, first (23 days)$318.32
Fees + prepaids$9,310.96
Your down payment is the seller’s equity. You take over the $148,578 balance, so the rest of the $242,000 price is paid at closing. A second mortgage can cover part of it. $102,732.93 is due at closing. Uses and sources reconcile at $251,310.96 each. Not a Closing Disclosure.