Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$121,587Cash toward the purchase price.
Closing costs + prepaids$8,630Not just lender fees.
Before credits & paid funds$130,218The complete starting cash picture.
Estimated remaining funds due at closing
$130,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,587.28
Your down payment$121,587.28
Closing costs + prepaids$8,630.45
Total buyer cash needed$130,217.73
Remaining funds due$130,217.73
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%)$1,925.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$354.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$933.75
Prepaid interest, first (25 days)$199.14
Fees + prepaids$8,630.45
Your down payment is the seller’s equity. You take over the $70,913 balance, so the rest of the $192,500 price is paid at closing. A second mortgage can cover part of it. $130,217.73 is due at closing. Uses and sources reconcile at $201,130.45 each. Not a Closing Disclosure.