Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$93,759Cash toward the purchase price.
Closing costs + prepaids$8,906Not just lender fees.
Before credits & paid funds$102,665The complete starting cash picture.
Estimated remaining funds due at closing
$102,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,759.25
Your down payment$93,759.25
Closing costs + prepaids$8,905.71
Total buyer cash needed$102,664.96
Remaining funds due$102,664.96
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%)$2,189.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$625.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$135.25
Initial HOA (3 months)$534.00
Prepaid interest, first (21 days)$203.76
Fees + prepaids$8,905.71
Your down payment is the seller’s equity. You take over the $125,141 balance, so the rest of the $218,900 price is paid at closing. A second mortgage can cover part of it. $102,664.96 is due at closing. Uses and sources reconcile at $227,805.71 each. Not a Closing Disclosure.