Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,601Cash toward the purchase price.
Closing costs + prepaids$7,652Not just lender fees.
Before credits & paid funds$23,253The complete starting cash picture.
Estimated remaining funds due at closing
$23,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,600.98
Your down payment$15,600.98
Closing costs + prepaids$7,652.40
Total buyer cash needed$23,253.38
Remaining funds due$23,253.38
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%)$1,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$471.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.75
Prepaid interest, first (30 days)$368.15
Fees + prepaids$7,652.40
Your down payment is the seller’s equity. You take over the $94,299 balance, so the rest of the $109,900 price is paid at closing. A second mortgage can cover part of it. $23,253.38 is due at closing. Uses and sources reconcile at $117,552.40 each. Not a Closing Disclosure.