Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$88,441Cash toward the purchase price.
Closing costs + prepaids$8,995Not just lender fees.
Before credits & paid funds$97,436The complete starting cash picture.
Estimated remaining funds due at closing
$97,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,440.89
Your down payment$88,440.89
Closing costs + prepaids$8,995.42
Total buyer cash needed$97,436.31
Remaining funds due$97,436.31
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$682.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$422.00
Prepaid interest, first (16 days)$422.62
Fees + prepaids$8,995.42
Your down payment is the seller’s equity. You take over the $136,559 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $97,436.31 is due at closing. Uses and sources reconcile at $233,995.42 each. Not a Closing Disclosure.