Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$78,150Cash toward the purchase price.
Closing costs + prepaids$8,239Not just lender fees.
Before credits & paid funds$86,389The complete starting cash picture.
Estimated remaining funds due at closing
$86,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,150.29
Your down payment$78,150.29
Closing costs + prepaids$8,238.53
Total buyer cash needed$86,388.81
Remaining funds due$86,388.81
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$608.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$250.00
Prepaid interest, first (16 days)$162.78
Fees + prepaids$8,238.53
Your down payment is the seller’s equity. You take over the $121,750 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $86,388.81 is due at closing. Uses and sources reconcile at $208,138.53 each. Not a Closing Disclosure.