Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$88,398Cash toward the purchase price.
Closing costs + prepaids$8,920Not just lender fees.
Before credits & paid funds$97,317The complete starting cash picture.
Estimated remaining funds due at closing
$97,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,397.54
Your down payment$88,397.54
Closing costs + prepaids$8,919.58
Total buyer cash needed$97,317.11
Remaining funds due$97,317.11
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$483.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,169.75
Prepaid interest, first (24 days)$198.82
Fees + prepaids$8,919.58
Your down payment is the seller’s equity. You take over the $96,602 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $97,317.11 is due at closing. Uses and sources reconcile at $193,919.58 each. Not a Closing Disclosure.