Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,428Cash toward the purchase price.
Closing costs + prepaids$8,626Not just lender fees.
Before credits & paid funds$125,054The complete starting cash picture.
Estimated remaining funds due at closing
$125,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,428.18
Your down payment$116,428.18
Closing costs + prepaids$8,625.63
Total buyer cash needed$125,053.81
Remaining funds due$125,053.81
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$467.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Initial HOA (3 months)$7.50
Prepaid interest, first (26 days)$307.27
Fees + prepaids$8,625.63
Your down payment is the seller’s equity. You take over the $93,572 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $125,053.81 is due at closing. Uses and sources reconcile at $218,625.63 each. Not a Closing Disclosure.