Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$93,778Cash toward the purchase price.
Closing costs + prepaids$9,756Not just lender fees.
Before credits & paid funds$103,534The complete starting cash picture.
Estimated remaining funds due at closing
$103,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,778.40
Your down payment$93,778.40
Closing costs + prepaids$9,756.07
Total buyer cash needed$103,534.47
Remaining funds due$103,534.47
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$706.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$282.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (12 days)$149.97
Fees + prepaids$9,756.07
Your down payment is the seller’s equity. You take over the $141,222 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $103,534.47 is due at closing. Uses and sources reconcile at $244,756.07 each. Not a Closing Disclosure.