Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$92,460Cash toward the purchase price.
Closing costs + prepaids$8,940Not just lender fees.
Before credits & paid funds$101,400The complete starting cash picture.
Estimated remaining funds due at closing
$101,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,460.45
Your down payment$92,460.45
Closing costs + prepaids$8,939.69
Total buyer cash needed$101,400.13
Remaining funds due$101,400.13
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%)$2,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$587.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.00
Prepaid interest, first (26 days)$473.49
Fees + prepaids$8,939.69
Your down payment is the seller’s equity. You take over the $117,440 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $101,400.13 is due at closing. Uses and sources reconcile at $218,839.69 each. Not a Closing Disclosure.