Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$89,917Cash toward the purchase price.
Closing costs + prepaids$9,200Not just lender fees.
Before credits & paid funds$99,117The complete starting cash picture.
Estimated remaining funds due at closing
$99,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,916.73
Your down payment$89,916.73
Closing costs + prepaids$9,200.34
Total buyer cash needed$99,117.06
Remaining funds due$99,117.06
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$725.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$587.50
Prepaid interest, first (28 days)$319.42
Fees + prepaids$9,200.34
Your down payment is the seller’s equity. You take over the $145,083 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $99,117.06 is due at closing. Uses and sources reconcile at $244,200.34 each. Not a Closing Disclosure.