Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$73,392Cash toward the purchase price.
Closing costs + prepaids$8,984Not just lender fees.
Before credits & paid funds$82,376The complete starting cash picture.
Estimated remaining funds due at closing
$82,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,391.61
Your down payment$73,391.61
Closing costs + prepaids$8,983.89
Total buyer cash needed$82,375.50
Remaining funds due$82,375.50
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%)$2,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$753.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.25
Initial HOA (3 months)$68.76
Prepaid interest, first (24 days)$322.84
Fees + prepaids$8,983.89
Your down payment is the seller’s equity. You take over the $150,608 balance, so the rest of the $224,000 price is paid at closing. A second mortgage can cover part of it. $82,375.50 is due at closing. Uses and sources reconcile at $232,983.89 each. Not a Closing Disclosure.