Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$52,275Cash toward the purchase price.
Closing costs + prepaids$9,922Not just lender fees.
Before credits & paid funds$62,197The complete starting cash picture.
Estimated remaining funds due at closing
$62,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,275.01
Your down payment$52,275.01
Closing costs + prepaids$9,922.16
Total buyer cash needed$62,197.17
Remaining funds due$62,197.17
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$733.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,318.75
Initial HOA (3 months)$300.00
Prepaid interest, first (25 days)$361.79
Fees + prepaids$9,922.16
Your down payment is the seller’s equity. You take over the $146,725 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $62,197.17 is due at closing. Uses and sources reconcile at $208,922.16 each. Not a Closing Disclosure.