Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$82,375Cash toward the purchase price.
Closing costs + prepaids$8,393Not just lender fees.
Before credits & paid funds$90,768The complete starting cash picture.
Estimated remaining funds due at closing
$90,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,375.29
Your down payment$82,375.29
Closing costs + prepaids$8,392.93
Total buyer cash needed$90,768.23
Remaining funds due$90,768.23
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%)$2,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$637.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$262.50
Prepaid interest, first (17 days)$175.81
Fees + prepaids$8,392.93
Your down payment is the seller’s equity. You take over the $127,525 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $90,768.23 is due at closing. Uses and sources reconcile at $218,292.93 each. Not a Closing Disclosure.