Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$102,928Cash toward the purchase price.
Closing costs + prepaids$8,830Not just lender fees.
Before credits & paid funds$111,759The complete starting cash picture.
Estimated remaining funds due at closing
$111,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,928.07
Your down payment$102,928.07
Closing costs + prepaids$8,830.47
Total buyer cash needed$111,758.54
Remaining funds due$111,758.54
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%)$2,060.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$515.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$140.50
Initial HOA (3 months)$660.00
Prepaid interest, first (21 days)$236.61
Fees + prepaids$8,830.47
Your down payment is the seller’s equity. You take over the $103,072 balance, so the rest of the $206,000 price is paid at closing. A second mortgage can cover part of it. $111,758.54 is due at closing. Uses and sources reconcile at $214,830.47 each. Not a Closing Disclosure.