Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,238Cash toward the purchase price.
Closing costs + prepaids$8,500Not just lender fees.
Before credits & paid funds$99,738The complete starting cash picture.
Estimated remaining funds due at closing
$99,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,238.25
Your down payment$91,238.25
Closing costs + prepaids$8,499.92
Total buyer cash needed$99,738.17
Remaining funds due$99,738.17
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%)$1,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$383.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Initial HOA (3 months)$564.00
Prepaid interest, first (23 days)$234.11
Fees + prepaids$8,499.92
Your down payment is the seller’s equity. You take over the $76,762 balance, so the rest of the $168,000 price is paid at closing. A second mortgage can cover part of it. $99,738.17 is due at closing. Uses and sources reconcile at $176,499.92 each. Not a Closing Disclosure.