Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$80,484Cash toward the purchase price.
Closing costs + prepaids$8,868Not just lender fees.
Before credits & paid funds$89,352The complete starting cash picture.
Estimated remaining funds due at closing
$89,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,484.41
Your down payment$80,484.41
Closing costs + prepaids$8,867.76
Total buyer cash needed$89,352.16
Remaining funds due$89,352.16
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$597.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.50
Initial HOA (3 months)$3.24
Prepaid interest, first (28 days)$579.44
Fees + prepaids$8,867.76
Your down payment is the seller’s equity. You take over the $119,516 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $89,352.16 is due at closing. Uses and sources reconcile at $208,867.76 each. Not a Closing Disclosure.