Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$84,798Cash toward the purchase price.
Closing costs + prepaids$8,932Not just lender fees.
Before credits & paid funds$93,730The complete starting cash picture.
Estimated remaining funds due at closing
$93,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,798.19
Your down payment$84,798.19
Closing costs + prepaids$8,932.15
Total buyer cash needed$93,730.34
Remaining funds due$93,730.34
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$701.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.75
Prepaid interest, first (23 days)$262.39
Fees + prepaids$8,932.15
Your down payment is the seller’s equity. You take over the $140,202 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $93,730.34 is due at closing. Uses and sources reconcile at $233,932.15 each. Not a Closing Disclosure.