Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,043Cash toward the purchase price.
Closing costs + prepaids$9,090Not just lender fees.
Before credits & paid funds$109,134The complete starting cash picture.
Estimated remaining funds due at closing
$109,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,043.49
Your down payment$100,043.49
Closing costs + prepaids$9,090.02
Total buyer cash needed$109,133.51
Remaining funds due$109,133.51
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%)$2,199.40
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$599.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.50
Prepaid interest, first (25 days)$566.63
Fees + prepaids$9,090.02
Your down payment is the seller’s equity. You take over the $119,897 balance, so the rest of the $219,940 price is paid at closing. A second mortgage can cover part of it. $109,133.51 is due at closing. Uses and sources reconcile at $229,030.02 each. Not a Closing Disclosure.