Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$71,257Cash toward the purchase price.
Closing costs + prepaids$8,974Not just lender fees.
Before credits & paid funds$80,232The complete starting cash picture.
Estimated remaining funds due at closing
$80,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,257.24
Your down payment$71,257.24
Closing costs + prepaids$8,974.34
Total buyer cash needed$80,231.58
Remaining funds due$80,231.58
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%)$1,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$393.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$574.75
Initial HOA (3 months)$1,155.00
Prepaid interest, first (22 days)$132.89
Fees + prepaids$8,974.34
Your down payment is the seller’s equity. You take over the $78,742 balance, so the rest of the $149,999 price is paid at closing. A second mortgage can cover part of it. $80,231.58 is due at closing. Uses and sources reconcile at $158,973.34 each. Not a Closing Disclosure.