Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,507Cash toward the purchase price.
Closing costs + prepaids$8,687Not just lender fees.
Before credits & paid funds$84,194The complete starting cash picture.
Estimated remaining funds due at closing
$84,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,506.90
Your down payment$75,506.90
Closing costs + prepaids$8,687.34
Total buyer cash needed$84,194.25
Remaining funds due$84,194.25
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%)$2,045.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$644.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$511.25
Prepaid interest, first (27 days)$268.13
Fees + prepaids$8,687.34
Your down payment is the seller’s equity. You take over the $128,993 balance, so the rest of the $204,500 price is paid at closing. A second mortgage can cover part of it. $84,194.25 is due at closing. Uses and sources reconcile at $213,187.34 each. Not a Closing Disclosure.