Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$76,435Cash toward the purchase price.
Closing costs + prepaids$9,022Not just lender fees.
Before credits & paid funds$85,457The complete starting cash picture.
Estimated remaining funds due at closing
$85,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,434.59
Your down payment$76,434.59
Closing costs + prepaids$9,022.13
Total buyer cash needed$85,456.72
Remaining funds due$85,456.72
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$617.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$894.50
Prepaid interest, first (23 days)$293.31
Fees + prepaids$9,022.13
Your down payment is the seller’s equity. You take over the $123,465 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $85,456.72 is due at closing. Uses and sources reconcile at $208,922.13 each. Not a Closing Disclosure.