Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,152Cash toward the purchase price.
Closing costs + prepaids$8,661Not just lender fees.
Before credits & paid funds$114,814The complete starting cash picture.
Estimated remaining funds due at closing
$114,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,152.47
Your down payment$106,152.47
Closing costs + prepaids$8,661.16
Total buyer cash needed$114,813.63
Remaining funds due$114,813.63
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%)$2,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$493.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$657.75
Prepaid interest, first (23 days)$242.68
Fees + prepaids$8,661.16
Your down payment is the seller’s equity. You take over the $98,748 balance, so the rest of the $204,900 price is paid at closing. A second mortgage can cover part of it. $114,813.63 is due at closing. Uses and sources reconcile at $213,561.16 each. Not a Closing Disclosure.