Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,770Cash toward the purchase price.
Closing costs + prepaids$9,059Not just lender fees.
Before credits & paid funds$110,829The complete starting cash picture.
Estimated remaining funds due at closing
$110,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,769.96
Your down payment$101,769.96
Closing costs + prepaids$9,059.41
Total buyer cash needed$110,829.38
Remaining funds due$110,829.38
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%)$2,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$651.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$580.00
Initial HOA (3 months)$21.24
Prepaid interest, first (26 days)$269.02
Fees + prepaids$9,059.41
Your down payment is the seller’s equity. You take over the $130,230 balance, so the rest of the $232,000 price is paid at closing. A second mortgage can cover part of it. $110,829.38 is due at closing. Uses and sources reconcile at $241,059.41 each. Not a Closing Disclosure.