Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,351Cash toward the purchase price.
Closing costs + prepaids$9,918Not just lender fees.
Before credits & paid funds$113,269The complete starting cash picture.
Estimated remaining funds due at closing
$113,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,351.25
Your down payment$103,351.25
Closing costs + prepaids$9,917.51
Total buyer cash needed$113,268.76
Remaining funds due$113,268.76
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%)$582.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,260.50
Prepaid interest, first (31 days)$657.27
Fees + prepaids$9,917.51
Your down payment is the seller’s equity. You take over the $116,549 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $113,268.76 is due at closing. Uses and sources reconcile at $229,817.51 each. Not a Closing Disclosure.