Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$100,640Cash toward the purchase price.
Closing costs + prepaids$8,923Not just lender fees.
Before credits & paid funds$109,563The complete starting cash picture.
Estimated remaining funds due at closing
$109,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,639.99
Your down payment$100,639.99
Closing costs + prepaids$8,923.02
Total buyer cash needed$109,563.02
Remaining funds due$109,563.02
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%)$1,949.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$471.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.50
Initial HOA (3 months)$543.00
Prepaid interest, first (30 days)$253.47
Fees + prepaids$8,923.02
Your down payment is the seller’s equity. You take over the $94,310 balance, so the rest of the $194,950 price is paid at closing. A second mortgage can cover part of it. $109,563.02 is due at closing. Uses and sources reconcile at $203,873.02 each. Not a Closing Disclosure.