Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$93,303Cash toward the purchase price.
Closing costs + prepaids$8,606Not just lender fees.
Before credits & paid funds$101,908The complete starting cash picture.
Estimated remaining funds due at closing
$101,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,302.59
Your down payment$93,302.59
Closing costs + prepaids$8,605.83
Total buyer cash needed$101,908.42
Remaining funds due$101,908.42
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$657.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$270.84
Fees + prepaids$8,605.83
Your down payment is the seller’s equity. You take over the $131,597 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $101,908.42 is due at closing. Uses and sources reconcile at $233,505.83 each. Not a Closing Disclosure.