Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$128,593Cash toward the purchase price.
Closing costs + prepaids$8,488Not just lender fees.
Before credits & paid funds$137,081The complete starting cash picture.
Estimated remaining funds due at closing
$137,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,592.82
Your down payment$128,592.82
Closing costs + prepaids$8,488.30
Total buyer cash needed$137,081.12
Remaining funds due$137,081.12
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%)$1,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$332.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$809.75
Prepaid interest, first (22 days)$178.52
Fees + prepaids$8,488.30
Your down payment is the seller’s equity. You take over the $66,407 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $137,081.12 is due at closing. Uses and sources reconcile at $203,488.30 each. Not a Closing Disclosure.