Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$109,894Cash toward the purchase price.
Closing costs + prepaids$8,943Not just lender fees.
Before credits & paid funds$118,837The complete starting cash picture.
Estimated remaining funds due at closing
$118,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,893.97
Your down payment$109,893.97
Closing costs + prepaids$8,943.11
Total buyer cash needed$118,837.08
Remaining funds due$118,837.08
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$600.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$560.25
Prepaid interest, first (29 days)$264.33
Fees + prepaids$8,943.11
Your down payment is the seller’s equity. You take over the $120,106 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $118,837.08 is due at closing. Uses and sources reconcile at $238,943.11 each. Not a Closing Disclosure.