Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$87,108Cash toward the purchase price.
Closing costs + prepaids$8,101Not just lender fees.
Before credits & paid funds$95,209The complete starting cash picture.
Estimated remaining funds due at closing
$95,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,107.62
Your down payment$87,107.62
Closing costs + prepaids$8,101.17
Total buyer cash needed$95,208.80
Remaining funds due$95,208.80
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$439.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (28 days)$256.21
Fees + prepaids$8,101.17
Your down payment is the seller’s equity. You take over the $87,892 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $95,208.80 is due at closing. Uses and sources reconcile at $183,101.17 each. Not a Closing Disclosure.