Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,822Cash toward the purchase price.
Closing costs + prepaids$8,686Not just lender fees.
Before credits & paid funds$84,508The complete starting cash picture.
Estimated remaining funds due at closing
$84,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,821.96
Your down payment$75,821.96
Closing costs + prepaids$8,686.42
Total buyer cash needed$84,508.39
Remaining funds due$84,508.39
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%)$2,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$645.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.00
Initial HOA (3 months)$62.49
Prepaid interest, first (27 days)$305.54
Fees + prepaids$8,686.42
Your down payment is the seller’s equity. You take over the $129,078 balance, so the rest of the $204,900 price is paid at closing. A second mortgage can cover part of it. $84,508.39 is due at closing. Uses and sources reconcile at $213,586.42 each. Not a Closing Disclosure.