Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$76,840Cash toward the purchase price.
Closing costs + prepaids$9,374Not just lender fees.
Before credits & paid funds$86,214The complete starting cash picture.
Estimated remaining funds due at closing
$86,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,839.68
Your down payment$76,839.68
Closing costs + prepaids$9,374.07
Total buyer cash needed$86,213.75
Remaining funds due$86,213.75
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$610.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.25
Initial HOA (3 months)$945.00
Prepaid interest, first (26 days)$268.02
Fees + prepaids$9,374.07
Your down payment is the seller’s equity. You take over the $122,160 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $86,213.75 is due at closing. Uses and sources reconcile at $208,374.07 each. Not a Closing Disclosure.