Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$100,608Cash toward the purchase price.
Closing costs + prepaids$8,140Not just lender fees.
Before credits & paid funds$108,748The complete starting cash picture.
Estimated remaining funds due at closing
$108,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,608.05
Your down payment$100,608.05
Closing costs + prepaids$8,139.92
Total buyer cash needed$108,747.97
Remaining funds due$108,747.97
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%)$1,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$396.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Prepaid interest, first (30 days)$232.96
Fees + prepaids$8,139.92
Your down payment is the seller’s equity. You take over the $79,392 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $108,747.97 is due at closing. Uses and sources reconcile at $188,139.92 each. Not a Closing Disclosure.