Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$14,213Cash toward the purchase price.
Closing costs + prepaids$7,207Not just lender fees.
Before credits & paid funds$21,420The complete starting cash picture.
Estimated remaining funds due at closing
$21,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,212.67
Your down payment$14,212.67
Closing costs + prepaids$7,207.15
Total buyer cash needed$21,419.82
Remaining funds due$21,419.82
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%)$999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$428.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$137.50
Prepaid interest, first (26 days)$424.21
Fees + prepaids$7,207.15
Your down payment is the seller’s equity. You take over the $85,687 balance, so the rest of the $99,900 price is paid at closing. A second mortgage can cover part of it. $21,419.82 is due at closing. Uses and sources reconcile at $107,107.15 each. Not a Closing Disclosure.