Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,984Cash toward the purchase price.
Closing costs + prepaids$8,800Not just lender fees.
Before credits & paid funds$102,784The complete starting cash picture.
Estimated remaining funds due at closing
$102,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,984.09
Your down payment$93,984.09
Closing costs + prepaids$8,799.52
Total buyer cash needed$102,783.61
Remaining funds due$102,783.61
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%)$1,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$430.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Initial HOA (3 months)$654.00
Prepaid interest, first (30 days)$247.44
Fees + prepaids$8,799.52
Your down payment is the seller’s equity. You take over the $86,016 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $102,783.61 is due at closing. Uses and sources reconcile at $188,799.52 each. Not a Closing Disclosure.