Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$101,350Cash toward the purchase price.
Closing costs + prepaids$9,526Not just lender fees.
Before credits & paid funds$110,875The complete starting cash picture.
Estimated remaining funds due at closing
$110,875No 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$9,525.67
Total buyer cash needed$110,875.40
Remaining funds due$110,875.40
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)$282.00
Initial HOA (3 months)$900.00
Prepaid interest, first (9 days)$107.43
Fees + prepaids$9,525.67
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. $110,875.40 is due at closing. Uses and sources reconcile at $244,524.67 each. Not a Closing Disclosure.