Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$83,120Cash toward the purchase price.
Closing costs + prepaids$9,425Not just lender fees.
Before credits & paid funds$92,545The complete starting cash picture.
Estimated remaining funds due at closing
$92,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,120.26
Your down payment$83,120.26
Closing costs + prepaids$9,425.22
Total buyer cash needed$92,545.48
Remaining funds due$92,545.48
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%)$2,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$649.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.25
Initial HOA (3 months)$1,005.00
Prepaid interest, first (16 days)$156.57
Fees + prepaids$9,425.22
Your down payment is the seller’s equity. You take over the $129,880 balance, so the rest of the $213,000 price is paid at closing. A second mortgage can cover part of it. $92,545.48 is due at closing. Uses and sources reconcile at $222,425.22 each. Not a Closing Disclosure.