Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$110,184Cash toward the purchase price.
Closing costs + prepaids$8,762Not just lender fees.
Before credits & paid funds$118,946The complete starting cash picture.
Estimated remaining funds due at closing
$118,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,184.41
Your down payment$110,184.41
Closing costs + prepaids$8,761.50
Total buyer cash needed$118,945.91
Remaining funds due$118,945.91
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$499.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$689.25
Prepaid interest, first (31 days)$255.17
Fees + prepaids$8,761.50
Your down payment is the seller’s equity. You take over the $99,816 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $118,945.91 is due at closing. Uses and sources reconcile at $218,761.50 each. Not a Closing Disclosure.