Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$101,226Cash toward the purchase price.
Closing costs + prepaids$9,972Not just lender fees.
Before credits & paid funds$111,198The complete starting cash picture.
Estimated remaining funds due at closing
$111,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,225.61
Your down payment$101,225.61
Closing costs + prepaids$9,972.15
Total buyer cash needed$111,197.76
Remaining funds due$111,197.76
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%)$2,439.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$713.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$837.75
Initial HOA (3 months)$132.00
Prepaid interest, first (23 days)$632.03
Fees + prepaids$9,972.15
Your down payment is the seller’s equity. You take over the $142,674 balance, so the rest of the $243,900 price is paid at closing. A second mortgage can cover part of it. $111,197.76 is due at closing. Uses and sources reconcile at $253,872.15 each. Not a Closing Disclosure.