Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$72,621Cash toward the purchase price.
Closing costs + prepaids$9,006Not just lender fees.
Before credits & paid funds$81,627The complete starting cash picture.
Estimated remaining funds due at closing
$81,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,621.40
Your down payment$72,621.40
Closing costs + prepaids$9,005.68
Total buyer cash needed$81,627.08
Remaining funds due$81,627.08
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%)$2,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$784.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$397.75
Prepaid interest, first (25 days)$310.53
Fees + prepaids$9,005.68
Your down payment is the seller’s equity. You take over the $156,879 balance, so the rest of the $229,500 price is paid at closing. A second mortgage can cover part of it. $81,627.08 is due at closing. Uses and sources reconcile at $238,505.68 each. Not a Closing Disclosure.