Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,828Cash toward the purchase price.
Closing costs + prepaids$8,504Not just lender fees.
Before credits & paid funds$118,332The complete starting cash picture.
Estimated remaining funds due at closing
$118,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,828.11
Your down payment$109,828.11
Closing costs + prepaids$8,503.70
Total buyer cash needed$118,331.82
Remaining funds due$118,331.82
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%)$2,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$535.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$109.75
Initial HOA (3 months)$195.00
Prepaid interest, first (27 days)$275.09
Fees + prepaids$8,503.70
Your down payment is the seller’s equity. You take over the $107,172 balance, so the rest of the $217,000 price is paid at closing. A second mortgage can cover part of it. $118,331.82 is due at closing. Uses and sources reconcile at $225,503.70 each. Not a Closing Disclosure.