Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$113,630Cash toward the purchase price.
Closing costs + prepaids$9,727Not just lender fees.
Before credits & paid funds$123,357The complete starting cash picture.
Estimated remaining funds due at closing
$123,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,630.44
Your down payment$113,630.44
Closing costs + prepaids$9,726.75
Total buyer cash needed$123,357.19
Remaining funds due$123,357.19
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$481.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,693.50
Prepaid interest, first (26 days)$233.40
Fees + prepaids$9,726.75
Your down payment is the seller’s equity. You take over the $96,370 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $123,357.19 is due at closing. Uses and sources reconcile at $219,726.75 each. Not a Closing Disclosure.