Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$116,066Cash toward the purchase price.
Closing costs + prepaids$7,706Not just lender fees.
Before credits & paid funds$123,772The complete starting cash picture.
Estimated remaining funds due at closing
$123,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,065.71
Your down payment$116,065.71
Closing costs + prepaids$7,705.87
Total buyer cash needed$123,771.58
Remaining funds due$123,771.58
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$344.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$222.00
Prepaid interest, first (10 days)$71.20
Fees + prepaids$7,705.87
Your down payment is the seller’s equity. You take over the $68,934 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $123,771.58 is due at closing. Uses and sources reconcile at $192,705.87 each. Not a Closing Disclosure.