Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,493Cash toward the purchase price.
Closing costs + prepaids$9,045Not just lender fees.
Before credits & paid funds$113,539The complete starting cash picture.
Estimated remaining funds due at closing
$113,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,493.35
Your down payment$104,493.35
Closing costs + prepaids$9,045.38
Total buyer cash needed$113,538.72
Remaining funds due$113,538.72
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%)$2,179.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$567.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$870.00
Prepaid interest, first (25 days)$210.59
Fees + prepaids$9,045.38
Your down payment is the seller’s equity. You take over the $113,457 balance, so the rest of the $217,950 price is paid at closing. A second mortgage can cover part of it. $113,538.72 is due at closing. Uses and sources reconcile at $226,995.38 each. Not a Closing Disclosure.