Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,443Cash toward the purchase price.
Closing costs + prepaids$8,946Not just lender fees.
Before credits & paid funds$112,389The complete starting cash picture.
Estimated remaining funds due at closing
$112,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,442.71
Your down payment$103,442.71
Closing costs + prepaids$8,946.10
Total buyer cash needed$112,388.81
Remaining funds due$112,388.81
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$482.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$86.00
Initial HOA (3 months)$879.00
Prepaid interest, first (31 days)$281.81
Fees + prepaids$8,946.10
Your down payment is the seller’s equity. You take over the $96,457 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $112,388.81 is due at closing. Uses and sources reconcile at $208,846.10 each. Not a Closing Disclosure.