Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$103,162Cash toward the purchase price.
Closing costs + prepaids$8,684Not just lender fees.
Before credits & paid funds$111,846The complete starting cash picture.
Estimated remaining funds due at closing
$111,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,161.96
Your down payment$103,161.96
Closing costs + prepaids$8,683.92
Total buyer cash needed$111,845.89
Remaining funds due$111,845.89
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$483.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$86.00
Initial HOA (3 months)$879.00
Prepaid interest, first (2 days)$18.23
Fees + prepaids$8,683.92
Your down payment is the seller’s equity. You take over the $96,738 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $111,845.89 is due at closing. Uses and sources reconcile at $208,583.92 each. Not a Closing Disclosure.