Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$137,276Cash toward the purchase price.
Closing costs + prepaids$8,188Not just lender fees.
Before credits & paid funds$145,464The complete starting cash picture.
Estimated remaining funds due at closing
$145,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,275.82
Your down payment$137,275.82
Closing costs + prepaids$8,188.12
Total buyer cash needed$145,463.94
Remaining funds due$145,463.94
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%)$1,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$313.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Prepaid interest, first (23 days)$156.52
Fees + prepaids$8,188.12
Your down payment is the seller’s equity. You take over the $62,723 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $145,463.94 is due at closing. Uses and sources reconcile at $208,187.12 each. Not a Closing Disclosure.