Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$89,000Cash toward the purchase price.
Closing costs + prepaids$8,509Not just lender fees.
Before credits & paid funds$97,509The complete starting cash picture.
Estimated remaining funds due at closing
$97,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,000.10
Your down payment$89,000.10
Closing costs + prepaids$8,508.81
Total buyer cash needed$97,508.91
Remaining funds due$97,508.91
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%)$1,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$554.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.75
Prepaid interest, first (31 days)$295.07
Fees + prepaids$8,508.81
Your down payment is the seller’s equity. You take over the $110,999 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $97,508.91 is due at closing. Uses and sources reconcile at $208,507.81 each. Not a Closing Disclosure.