Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$107,434Cash toward the purchase price.
Closing costs + prepaids$9,341Not just lender fees.
Before credits & paid funds$116,775The complete starting cash picture.
Estimated remaining funds due at closing
$116,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,434.06
Your down payment$107,434.06
Closing costs + prepaids$9,341.31
Total buyer cash needed$116,775.38
Remaining funds due$116,775.38
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%)$2,279.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$602.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$146.00
Initial HOA (3 months)$693.00
Prepaid interest, first (30 days)$402.98
Fees + prepaids$9,341.31
Your down payment is the seller’s equity. You take over the $120,466 balance, so the rest of the $227,900 price is paid at closing. A second mortgage can cover part of it. $116,775.38 is due at closing. Uses and sources reconcile at $237,241.31 each. Not a Closing Disclosure.