Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$101,085Cash toward the purchase price.
Closing costs + prepaids$9,898Not just lender fees.
Before credits & paid funds$110,982The complete starting cash picture.
Estimated remaining funds due at closing
$110,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,084.55
Your down payment$101,084.55
Closing costs + prepaids$9,897.93
Total buyer cash needed$110,982.48
Remaining funds due$110,982.48
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%)$2,199.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$594.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,650.00
Prepaid interest, first (25 days)$236.10
Fees + prepaids$9,897.93
Your down payment is the seller’s equity. You take over the $118,865 balance, so the rest of the $219,950 price is paid at closing. A second mortgage can cover part of it. $110,982.48 is due at closing. Uses and sources reconcile at $229,847.93 each. Not a Closing Disclosure.