Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,018Cash toward the purchase price.
Closing costs + prepaids$9,848Not just lender fees.
Before credits & paid funds$115,866The complete starting cash picture.
Estimated remaining funds due at closing
$115,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,017.58
Your down payment$106,017.58
Closing costs + prepaids$9,848.38
Total buyer cash needed$115,865.97
Remaining funds due$115,865.97
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$619.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,361.25
Prepaid interest, first (23 days)$349.22
Fees + prepaids$9,848.38
Your down payment is the seller’s equity. You take over the $123,982 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $115,865.97 is due at closing. Uses and sources reconcile at $239,848.38 each. Not a Closing Disclosure.