Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$90,589Cash toward the purchase price.
Closing costs + prepaids$9,665Not just lender fees.
Before credits & paid funds$100,253The complete starting cash picture.
Estimated remaining funds due at closing
$100,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,588.51
Your down payment$90,588.51
Closing costs + prepaids$9,664.76
Total buyer cash needed$100,253.27
Remaining funds due$100,253.27
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$672.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$443.50
Initial HOA (3 months)$717.00
Prepaid interest, first (23 days)$364.20
Fees + prepaids$9,664.76
Your down payment is the seller’s equity. You take over the $134,411 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $100,253.27 is due at closing. Uses and sources reconcile at $234,664.76 each. Not a Closing Disclosure.