Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$77,281Cash toward the purchase price.
Closing costs + prepaids$9,360Not just lender fees.
Before credits & paid funds$86,641The complete starting cash picture.
Estimated remaining funds due at closing
$86,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,281.10
Your down payment$77,281.10
Closing costs + prepaids$9,360.22
Total buyer cash needed$86,641.32
Remaining funds due$86,641.32
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$688.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$802.25
Initial HOA (3 months)$195.00
Prepaid interest, first (28 days)$306.38
Fees + prepaids$9,360.22
Your down payment is the seller’s equity. You take over the $137,719 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $86,641.32 is due at closing. Uses and sources reconcile at $224,360.22 each. Not a Closing Disclosure.