Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$144,163Cash toward the purchase price.
Closing costs + prepaids$8,860Not just lender fees.
Before credits & paid funds$153,023The complete starting cash picture.
Estimated remaining funds due at closing
$153,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,163.44
Your down payment$144,163.44
Closing costs + prepaids$8,859.76
Total buyer cash needed$153,023.20
Remaining funds due$153,023.20
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%)$1,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$254.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$217.00
Initial HOA (3 months)$1,095.00
Prepaid interest, first (23 days)$125.57
Fees + prepaids$8,859.76
Your down payment is the seller’s equity. You take over the $50,837 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $153,023.20 is due at closing. Uses and sources reconcile at $203,859.76 each. Not a Closing Disclosure.