Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,799Cash toward the purchase price.
Closing costs + prepaids$8,653Not just lender fees.
Before credits & paid funds$100,452The complete starting cash picture.
Estimated remaining funds due at closing
$100,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,798.61
Your down payment$91,798.61
Closing costs + prepaids$8,653.05
Total buyer cash needed$100,451.67
Remaining funds due$100,451.67
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%)$2,209.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$645.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.25
Prepaid interest, first (23 days)$280.87
Fees + prepaids$8,653.05
Your down payment is the seller’s equity. You take over the $129,196 balance, so the rest of the $220,995 price is paid at closing. A second mortgage can cover part of it. $100,451.67 is due at closing. Uses and sources reconcile at $229,648.05 each. Not a Closing Disclosure.