Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$112,305Cash toward the purchase price.
Closing costs + prepaids$8,277Not just lender fees.
Before credits & paid funds$120,582The complete starting cash picture.
Estimated remaining funds due at closing
$120,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,304.52
Your down payment$112,304.52
Closing costs + prepaids$8,277.38
Total buyer cash needed$120,581.90
Remaining funds due$120,581.90
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%)$2,160.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$518.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$161.75
Prepaid interest, first (29 days)$219.15
Fees + prepaids$8,277.38
Your down payment is the seller’s equity. You take over the $103,695 balance, so the rest of the $216,000 price is paid at closing. A second mortgage can cover part of it. $120,581.90 is due at closing. Uses and sources reconcile at $224,277.38 each. Not a Closing Disclosure.