Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$101,199Cash toward the purchase price.
Closing costs + prepaids$9,723Not just lender fees.
Before credits & paid funds$110,922The complete starting cash picture.
Estimated remaining funds due at closing
$110,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,199.05
Your down payment$101,199.05
Closing costs + prepaids$9,723.00
Total buyer cash needed$110,922.04
Remaining funds due$110,922.04
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%)$2,955.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$971.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$369.50
Prepaid interest, first (13 days)$208.99
Fees + prepaids$9,723.00
Your down payment is the seller’s equity. You take over the $194,301 balance, so the rest of the $295,500 price is paid at closing. A second mortgage can cover part of it. $110,922.04 is due at closing. Uses and sources reconcile at $305,223.00 each. Not a Closing Disclosure.