Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$76,815Cash toward the purchase price.
Closing costs + prepaids$8,760Not just lender fees.
Before credits & paid funds$85,576The complete starting cash picture.
Estimated remaining funds due at closing
$85,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,815.36
Your down payment$76,815.36
Closing costs + prepaids$8,760.22
Total buyer cash needed$85,575.58
Remaining funds due$85,575.58
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%)$1,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$590.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$666.50
Prepaid interest, first (27 days)$336.30
Fees + prepaids$8,760.22
Your down payment is the seller’s equity. You take over the $118,085 balance, so the rest of the $194,900 price is paid at closing. A second mortgage can cover part of it. $85,575.58 is due at closing. Uses and sources reconcile at $203,660.22 each. Not a Closing Disclosure.