Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$63,913Cash toward the purchase price.
Closing costs + prepaids$9,950Not just lender fees.
Before credits & paid funds$73,863The complete starting cash picture.
Estimated remaining funds due at closing
$73,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,913.31
Your down payment$63,913.31
Closing costs + prepaids$9,949.66
Total buyer cash needed$73,862.97
Remaining funds due$73,862.97
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%)$2,055.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$707.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$640.00
Initial HOA (3 months)$1,017.00
Prepaid interest, first (28 days)$311.72
Fees + prepaids$9,949.66
Your down payment is the seller’s equity. You take over the $141,587 balance, so the rest of the $205,500 price is paid at closing. A second mortgage can cover part of it. $73,862.97 is due at closing. Uses and sources reconcile at $215,449.66 each. Not a Closing Disclosure.