Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$95,863Cash toward the purchase price.
Closing costs + prepaids$9,252Not just lender fees.
Before credits & paid funds$105,115The complete starting cash picture.
Estimated remaining funds due at closing
$105,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,863.46
Your down payment$95,863.46
Closing costs + prepaids$9,251.63
Total buyer cash needed$105,115.10
Remaining funds due$105,115.10
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%)$2,385.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$713.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$596.25
Prepaid interest, first (31 days)$339.20
Fees + prepaids$9,251.63
Your down payment is the seller’s equity. You take over the $142,637 balance, so the rest of the $238,500 price is paid at closing. A second mortgage can cover part of it. $105,115.10 is due at closing. Uses and sources reconcile at $247,751.63 each. Not a Closing Disclosure.