Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$195,983Cash toward the purchase price.
Closing costs + prepaids$10,870Not just lender fees.
Before credits & paid funds$206,853The complete starting cash picture.
Estimated remaining funds due at closing
$206,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,983.28
Your down payment$195,983.28
Closing costs + prepaids$10,869.59
Total buyer cash needed$206,852.87
Remaining funds due$206,852.87
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%)$3,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$645.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,504.50
Prepaid interest, first (23 days)$252.02
Fees + prepaids$10,869.59
Your down payment is the seller’s equity. You take over the $129,016 balance, so the rest of the $324,999 price is paid at closing. A second mortgage can cover part of it. $206,852.87 is due at closing. Uses and sources reconcile at $335,868.59 each. Not a Closing Disclosure.