Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$73,862Cash toward the purchase price.
Closing costs + prepaids$8,377Not just lender fees.
Before credits & paid funds$82,239The complete starting cash picture.
Estimated remaining funds due at closing
$82,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,861.64
Your down payment$73,861.64
Closing costs + prepaids$8,377.31
Total buyer cash needed$82,238.95
Remaining funds due$82,238.95
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%)$1,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$628.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$277.75
Prepaid interest, first (27 days)$258.37
Fees + prepaids$8,377.31
Your down payment is the seller’s equity. You take over the $125,638 balance, so the rest of the $199,500 price is paid at closing. A second mortgage can cover part of it. $82,238.95 is due at closing. Uses and sources reconcile at $207,877.31 each. Not a Closing Disclosure.