Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$82,375Cash toward the purchase price.
Closing costs + prepaids$8,439Not just lender fees.
Before credits & paid funds$90,814The complete starting cash picture.
Estimated remaining funds due at closing
$90,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,375.29
Your down payment$82,375.29
Closing costs + prepaids$8,439.19
Total buyer cash needed$90,814.48
Remaining funds due$90,814.48
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%)$2,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$637.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$195.00
Prepaid interest, first (28 days)$289.57
Fees + prepaids$8,439.19
Your down payment is the seller’s equity. You take over the $127,525 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $90,814.48 is due at closing. Uses and sources reconcile at $218,339.19 each. Not a Closing Disclosure.