Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$164,046Cash toward the purchase price.
Closing costs + prepaids$8,337Not just lender fees.
Before credits & paid funds$172,383The complete starting cash picture.
Estimated remaining funds due at closing
$172,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,045.64
Your down payment$164,045.64
Closing costs + prepaids$8,336.90
Total buyer cash needed$172,382.54
Remaining funds due$172,382.54
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$179.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$184.50
Initial HOA (3 months)$630.00
Prepaid interest, first (24 days)$126.13
Fees + prepaids$8,336.90
Your down payment is the seller’s equity. You take over the $35,854 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $172,382.54 is due at closing. Uses and sources reconcile at $208,236.90 each. Not a Closing Disclosure.