Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$77,715Cash toward the purchase price.
Closing costs + prepaids$8,615Not just lender fees.
Before credits & paid funds$86,329The complete starting cash picture.
Estimated remaining funds due at closing
$86,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,714.70
Your down payment$77,714.70
Closing costs + prepaids$8,614.60
Total buyer cash needed$86,329.31
Remaining funds due$86,329.31
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%)$1,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$361.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$763.00
Initial HOA (3 months)$600.00
Prepaid interest, first (27 days)$172.18
Fees + prepaids$8,614.60
Your down payment is the seller’s equity. You take over the $72,285 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $86,329.31 is due at closing. Uses and sources reconcile at $158,614.60 each. Not a Closing Disclosure.