Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,928Cash toward the purchase price.
Closing costs + prepaids$8,466Not just lender fees.
Before credits & paid funds$110,394The complete starting cash picture.
Estimated remaining funds due at closing
$110,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,928.29
Your down payment$101,928.29
Closing costs + prepaids$8,465.90
Total buyer cash needed$110,394.19
Remaining funds due$110,394.19
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%)$1,575.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$277.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.75
Initial HOA (3 months)$762.00
Prepaid interest, first (31 days)$239.29
Fees + prepaids$8,465.90
Your down payment is the seller’s equity. You take over the $55,572 balance, so the rest of the $157,500 price is paid at closing. A second mortgage can cover part of it. $110,394.19 is due at closing. Uses and sources reconcile at $165,965.90 each. Not a Closing Disclosure.