Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$117,503Cash toward the purchase price.
Closing costs + prepaids$9,015Not just lender fees.
Before credits & paid funds$126,519The complete starting cash picture.
Estimated remaining funds due at closing
$126,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,503.39
Your down payment$117,503.39
Closing costs + prepaids$9,015.17
Total buyer cash needed$126,518.56
Remaining funds due$126,518.56
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%)$2,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$457.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.75
Initial HOA (3 months)$413.01
Prepaid interest, first (23 days)$360.92
Fees + prepaids$9,015.17
Your down payment is the seller’s equity. You take over the $91,497 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $126,518.56 is due at closing. Uses and sources reconcile at $218,015.17 each. Not a Closing Disclosure.