Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$99,029Cash toward the purchase price.
Closing costs + prepaids$7,871Not just lender fees.
Before credits & paid funds$106,900The complete starting cash picture.
Estimated remaining funds due at closing
$106,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,029.18
Your down payment$99,029.18
Closing costs + prepaids$7,870.60
Total buyer cash needed$106,899.78
Remaining funds due$106,899.78
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%)$1,679.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$344.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$192.25
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$347.00
Fees + prepaids$7,870.60
Your down payment is the seller’s equity. You take over the $68,871 balance, so the rest of the $167,900 price is paid at closing. A second mortgage can cover part of it. $106,899.78 is due at closing. Uses and sources reconcile at $175,770.60 each. Not a Closing Disclosure.