Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$82,413Cash toward the purchase price.
Closing costs + prepaids$8,404Not just lender fees.
Before credits & paid funds$90,817The complete starting cash picture.
Estimated remaining funds due at closing
$90,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,412.71
Your down payment$82,412.71
Closing costs + prepaids$8,404.13
Total buyer cash needed$90,816.85
Remaining funds due$90,816.85
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%)$1,589.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$382.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.50
Initial HOA (3 months)$645.00
Prepaid interest, first (26 days)$148.20
Fees + prepaids$8,404.13
Your down payment is the seller’s equity. You take over the $76,487 balance, so the rest of the $158,900 price is paid at closing. A second mortgage can cover part of it. $90,816.85 is due at closing. Uses and sources reconcile at $167,304.13 each. Not a Closing Disclosure.