Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$53,444Cash toward the purchase price.
Closing costs + prepaids$9,218Not just lender fees.
Before credits & paid funds$62,662The complete starting cash picture.
Estimated remaining funds due at closing
$62,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,443.66
Your down payment$53,443.66
Closing costs + prepaids$9,217.94
Total buyer cash needed$62,661.60
Remaining funds due$62,661.60
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$732.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$217.75
Initial HOA (3 months)$795.00
Prepaid interest, first (22 days)$254.41
Fees + prepaids$9,217.94
Your down payment is the seller’s equity. You take over the $146,556 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $62,661.60 is due at closing. Uses and sources reconcile at $209,217.94 each. Not a Closing Disclosure.