Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$65,638Cash toward the purchase price.
Closing costs + prepaids$8,757Not just lender fees.
Before credits & paid funds$74,395The complete starting cash picture.
Estimated remaining funds due at closing
$74,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,637.98
Your down payment$65,637.98
Closing costs + prepaids$8,756.68
Total buyer cash needed$74,394.66
Remaining funds due$74,394.66
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%)$2,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$721.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Prepaid interest, first (23 days)$263.62
Fees + prepaids$8,756.68
Your down payment is the seller’s equity. You take over the $144,262 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $74,394.66 is due at closing. Uses and sources reconcile at $218,656.68 each. Not a Closing Disclosure.