Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$82,503Cash toward the purchase price.
Closing costs + prepaids$9,396Not just lender fees.
Before credits & paid funds$91,898The complete starting cash picture.
Estimated remaining funds due at closing
$91,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,502.53
Your down payment$82,502.53
Closing costs + prepaids$9,395.51
Total buyer cash needed$91,898.04
Remaining funds due$91,898.04
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$662.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$482.75
Initial HOA (3 months)$600.00
Prepaid interest, first (27 days)$282.27
Fees + prepaids$9,395.51
Your down payment is the seller’s equity. You take over the $132,497 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $91,898.04 is due at closing. Uses and sources reconcile at $224,395.51 each. Not a Closing Disclosure.