Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$73,499Cash toward the purchase price.
Closing costs + prepaids$8,129Not just lender fees.
Before credits & paid funds$81,628The complete starting cash picture.
Estimated remaining funds due at closing
$81,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,498.56
Your down payment$73,498.56
Closing costs + prepaids$8,129.41
Total buyer cash needed$81,627.97
Remaining funds due$81,627.97
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%)$1,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$617.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$236.50
Prepaid interest, first (9 days)$87.40
Fees + prepaids$8,129.41
Your down payment is the seller’s equity. You take over the $123,501 balance, so the rest of the $197,000 price is paid at closing. A second mortgage can cover part of it. $81,627.97 is due at closing. Uses and sources reconcile at $205,129.41 each. Not a Closing Disclosure.