Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$102,948Cash toward the purchase price.
Closing costs + prepaids$8,936Not just lender fees.
Before credits & paid funds$111,884The complete starting cash picture.
Estimated remaining funds due at closing
$111,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,947.99
Your down payment$102,947.99
Closing costs + prepaids$8,935.80
Total buyer cash needed$111,883.78
Remaining funds due$111,883.78
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$480.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$841.75
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$240.79
Fees + prepaids$8,935.80
Your down payment is the seller’s equity. You take over the $96,052 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $111,883.78 is due at closing. Uses and sources reconcile at $207,935.80 each. Not a Closing Disclosure.