Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$95,231Cash toward the purchase price.
Closing costs + prepaids$8,036Not just lender fees.
Before credits & paid funds$103,267The complete starting cash picture.
Estimated remaining funds due at closing
$103,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,230.88
Your down payment$95,230.88
Closing costs + prepaids$8,035.87
Total buyer cash needed$103,266.75
Remaining funds due$103,266.75
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$448.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$199.50
Prepaid interest, first (28 days)$319.53
Fees + prepaids$8,035.87
Your down payment is the seller’s equity. You take over the $89,769 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $103,266.75 is due at closing. Uses and sources reconcile at $193,035.87 each. Not a Closing Disclosure.