Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,021Cash toward the purchase price.
Closing costs + prepaids$9,261Not just lender fees.
Before credits & paid funds$99,283The complete starting cash picture.
Estimated remaining funds due at closing
$99,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,021.47
Your down payment$90,021.47
Closing costs + prepaids$9,261.17
Total buyer cash needed$99,282.64
Remaining funds due$99,282.64
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%)$2,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$734.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$592.50
Prepaid interest, first (31 days)$345.78
Fees + prepaids$9,261.17
Your down payment is the seller’s equity. You take over the $146,979 balance, so the rest of the $237,000 price is paid at closing. A second mortgage can cover part of it. $99,282.64 is due at closing. Uses and sources reconcile at $246,261.17 each. Not a Closing Disclosure.