Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$106,045Cash toward the purchase price.
Closing costs + prepaids$8,525Not just lender fees.
Before credits & paid funds$114,570The complete starting cash picture.
Estimated remaining funds due at closing
$114,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,044.74
Your down payment$106,044.74
Closing costs + prepaids$8,525.29
Total buyer cash needed$114,570.03
Remaining funds due$114,570.03
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$594.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$295.50
Prepaid interest, first (18 days)$168.51
Fees + prepaids$8,525.29
Your down payment is the seller’s equity. You take over the $118,855 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $114,570.03 is due at closing. Uses and sources reconcile at $233,425.29 each. Not a Closing Disclosure.