Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$91,595Cash toward the purchase price.
Closing costs + prepaids$8,591Not just lender fees.
Before credits & paid funds$100,186The complete starting cash picture.
Estimated remaining funds due at closing
$100,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,594.77
Your down payment$91,594.77
Closing costs + prepaids$8,591.16
Total buyer cash needed$100,185.93
Remaining funds due$100,185.93
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%)$2,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$641.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$512.25
Prepaid interest, first (2 days)$20.39
Fees + prepaids$8,591.16
Your down payment is the seller’s equity. You take over the $128,305 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $100,185.93 is due at closing. Uses and sources reconcile at $228,491.16 each. Not a Closing Disclosure.