Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,002Cash toward the purchase price.
Closing costs + prepaids$9,965Not just lender fees.
Before credits & paid funds$100,967The complete starting cash picture.
Estimated remaining funds due at closing
$100,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,002.06
Your down payment$91,002.06
Closing costs + prepaids$9,965.34
Total buyer cash needed$100,967.40
Remaining funds due$100,967.40
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%)$2,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$769.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.25
Initial HOA (3 months)$651.00
Prepaid interest, first (23 days)$397.60
Fees + prepaids$9,965.34
Your down payment is the seller’s equity. You take over the $153,898 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $100,967.40 is due at closing. Uses and sources reconcile at $254,865.34 each. Not a Closing Disclosure.