Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$87,383Cash toward the purchase price.
Closing costs + prepaids$8,440Not just lender fees.
Before credits & paid funds$95,823The complete starting cash picture.
Estimated remaining funds due at closing
$95,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,383.13
Your down payment$87,383.13
Closing costs + prepaids$8,439.73
Total buyer cash needed$95,822.87
Remaining funds due$95,822.87
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%)$2,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$658.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$41.00
Prepaid interest, first (25 days)$332.65
Fees + prepaids$8,439.73
Your down payment is the seller’s equity. You take over the $131,617 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $95,822.87 is due at closing. Uses and sources reconcile at $227,439.73 each. Not a Closing Disclosure.