Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$81,688Cash toward the purchase price.
Closing costs + prepaids$9,339Not just lender fees.
Before credits & paid funds$91,027The complete starting cash picture.
Estimated remaining funds due at closing
$91,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,688.23
Your down payment$81,688.23
Closing costs + prepaids$9,339.21
Total buyer cash needed$91,027.44
Remaining funds due$91,027.44
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$591.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$534.50
Initial HOA (3 months)$654.00
Prepaid interest, first (23 days)$342.65
Fees + prepaids$9,339.21
Your down payment is the seller’s equity. You take over the $118,212 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $91,027.44 is due at closing. Uses and sources reconcile at $209,239.21 each. Not a Closing Disclosure.