Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$100,457Cash toward the purchase price.
Closing costs + prepaids$8,868Not just lender fees.
Before credits & paid funds$109,325The complete starting cash picture.
Estimated remaining funds due at closing
$109,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,456.52
Your down payment$100,456.52
Closing costs + prepaids$8,868.03
Total buyer cash needed$109,324.55
Remaining funds due$109,324.55
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%)$2,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$542.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.50
Prepaid interest, first (31 days)$379.81
Fees + prepaids$8,868.03
Your down payment is the seller’s equity. You take over the $108,543 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $109,324.55 is due at closing. Uses and sources reconcile at $217,868.03 each. Not a Closing Disclosure.