Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$102,122Cash toward the purchase price.
Closing costs + prepaids$8,270Not just lender fees.
Before credits & paid funds$110,392The complete starting cash picture.
Estimated remaining funds due at closing
$110,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,121.79
Your down payment$102,121.79
Closing costs + prepaids$8,270.40
Total buyer cash needed$110,392.18
Remaining funds due$110,392.18
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%)$2,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$549.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$265.00
Prepaid interest, first (14 days)$118.01
Fees + prepaids$8,270.40
Your down payment is the seller’s equity. You take over the $109,878 balance, so the rest of the $212,000 price is paid at closing. A second mortgage can cover part of it. $110,392.18 is due at closing. Uses and sources reconcile at $220,270.40 each. Not a Closing Disclosure.