Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$125,503Cash toward the purchase price.
Closing costs + prepaids$8,414Not just lender fees.
Before credits & paid funds$133,916The complete starting cash picture.
Estimated remaining funds due at closing
$133,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,502.64
Your down payment$125,502.64
Closing costs + prepaids$8,413.76
Total buyer cash needed$133,916.40
Remaining funds due$133,916.40
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%)$372.49
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)$510.00
Prepaid interest, first (10 days)$73.27
Fees + prepaids$8,413.76
Your down payment is the seller’s equity. You take over the $74,497 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $133,916.40 is due at closing. Uses and sources reconcile at $208,413.76 each. Not a Closing Disclosure.