Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$59,983Cash toward the purchase price.
Closing costs + prepaids$9,480Not just lender fees.
Before credits & paid funds$69,462The complete starting cash picture.
Estimated remaining funds due at closing
$69,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,982.58
Your down payment$59,982.58
Closing costs + prepaids$9,479.70
Total buyer cash needed$69,462.28
Remaining funds due$69,462.28
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%)$1,960.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$680.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$235.25
Initial HOA (3 months)$1,254.00
Prepaid interest, first (12 days)$132.37
Fees + prepaids$9,479.70
Your down payment is the seller’s equity. You take over the $136,017 balance, so the rest of the $196,000 price is paid at closing. A second mortgage can cover part of it. $69,462.28 is due at closing. Uses and sources reconcile at $205,479.70 each. Not a Closing Disclosure.