Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$102,222Cash toward the purchase price.
Closing costs + prepaids$8,633Not just lender fees.
Before credits & paid funds$110,854The complete starting cash picture.
Estimated remaining funds due at closing
$110,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,221.51
Your down payment$102,221.51
Closing costs + prepaids$8,632.92
Total buyer cash needed$110,854.44
Remaining funds due$110,854.44
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%)$1,859.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$418.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$260.75
Initial HOA (3 months)$663.00
Prepaid interest, first (25 days)$213.78
Fees + prepaids$8,632.92
Your down payment is the seller’s equity. You take over the $83,678 balance, so the rest of the $185,900 price is paid at closing. A second mortgage can cover part of it. $110,854.44 is due at closing. Uses and sources reconcile at $194,532.92 each. Not a Closing Disclosure.