Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$65,621Cash toward the purchase price.
Closing costs + prepaids$9,217Not just lender fees.
Before credits & paid funds$74,838The complete starting cash picture.
Estimated remaining funds due at closing
$74,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,620.86
Your down payment$65,620.86
Closing costs + prepaids$9,217.38
Total buyer cash needed$74,838.24
Remaining funds due$74,838.24
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$671.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$240.00
Initial HOA (3 months)$909.00
Prepaid interest, first (12 days)$178.48
Fees + prepaids$9,217.38
Your down payment is the seller’s equity. You take over the $134,379 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $74,838.24 is due at closing. Uses and sources reconcile at $209,217.38 each. Not a Closing Disclosure.