Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,350Cash toward the purchase price.
Closing costs + prepaids$9,697Not just lender fees.
Before credits & paid funds$111,046The complete starting cash picture.
Estimated remaining funds due at closing
$111,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,349.73
Your down payment$101,349.73
Closing costs + prepaids$9,696.53
Total buyer cash needed$111,046.26
Remaining funds due$111,046.26
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%)$2,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$668.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$190.25
Initial HOA (3 months)$900.00
Prepaid interest, first (31 days)$370.04
Fees + prepaids$9,696.53
Your down payment is the seller’s equity. You take over the $133,649 balance, so the rest of the $234,999 price is paid at closing. A second mortgage can cover part of it. $111,046.26 is due at closing. Uses and sources reconcile at $244,695.53 each. Not a Closing Disclosure.