Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$72,976Cash toward the purchase price.
Closing costs + prepaids$8,297Not just lender fees.
Before credits & paid funds$81,273The complete starting cash picture.
Estimated remaining funds due at closing
$81,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,975.71
Your down payment$72,975.71
Closing costs + prepaids$8,296.86
Total buyer cash needed$81,272.58
Remaining funds due$81,272.58
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%)$1,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$605.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$268.75
Prepaid interest, first (27 days)$264.99
Fees + prepaids$8,296.86
Your down payment is the seller’s equity. You take over the $121,024 balance, so the rest of the $194,000 price is paid at closing. A second mortgage can cover part of it. $81,272.58 is due at closing. Uses and sources reconcile at $202,296.86 each. Not a Closing Disclosure.