Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,898Cash toward the purchase price.
Closing costs + prepaids$8,469Not just lender fees.
Before credits & paid funds$66,367The complete starting cash picture.
Estimated remaining funds due at closing
$66,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,898.02
Your down payment$57,898.02
Closing costs + prepaids$8,468.99
Total buyer cash needed$66,367.01
Remaining funds due$66,367.01
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$705.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$264.00
Prepaid interest, first (26 days)$291.48
Fees + prepaids$8,468.99
Your down payment is the seller’s equity. You take over the $141,102 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $66,367.01 is due at closing. Uses and sources reconcile at $207,468.99 each. Not a Closing Disclosure.