Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$102,449Cash toward the purchase price.
Closing costs + prepaids$7,682Not just lender fees.
Before credits & paid funds$110,131The complete starting cash picture.
Estimated remaining funds due at closing
$110,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,449.40
Your down payment$102,449.40
Closing costs + prepaids$7,681.54
Total buyer cash needed$110,130.93
Remaining funds due$110,130.93
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%)$1,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$337.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$307.00
Prepaid interest, first (23 days)$120.28
Fees + prepaids$7,681.54
Your down payment is the seller’s equity. You take over the $67,451 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $110,130.93 is due at closing. Uses and sources reconcile at $177,581.54 each. Not a Closing Disclosure.