Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$115,661Cash toward the purchase price.
Closing costs + prepaids$8,072Not just lender fees.
Before credits & paid funds$123,733The complete starting cash picture.
Estimated remaining funds due at closing
$123,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,661.10
Your down payment$115,661.10
Closing costs + prepaids$8,071.66
Total buyer cash needed$123,732.77
Remaining funds due$123,732.77
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%)$421.69
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)$127.50
Prepaid interest, first (9 days)$64.47
Fees + prepaids$8,071.66
Your down payment is the seller’s equity. You take over the $84,339 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $123,732.77 is due at closing. Uses and sources reconcile at $208,071.66 each. Not a Closing Disclosure.