Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$129,046Cash toward the purchase price.
Closing costs + prepaids$7,974Not just lender fees.
Before credits & paid funds$137,020The complete starting cash picture.
Estimated remaining funds due at closing
$137,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,045.92
Your down payment$129,045.92
Closing costs + prepaids$7,973.64
Total buyer cash needed$137,019.56
Remaining funds due$137,019.56
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$354.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$257.75
Prepaid interest, first (25 days)$144.62
Fees + prepaids$7,973.64
Your down payment is the seller’s equity. You take over the $70,854 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $137,019.56 is due at closing. Uses and sources reconcile at $207,873.64 each. Not a Closing Disclosure.