Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$72,976Cash toward the purchase price.
Closing costs + prepaids$8,284Not just lender fees.
Before credits & paid funds$81,260The complete starting cash picture.
Estimated remaining funds due at closing
$81,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,975.71
Your down payment$72,975.71
Closing costs + prepaids$8,283.90
Total buyer cash needed$81,259.62
Remaining funds due$81,259.62
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%)$1,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$605.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$363.75
Prepaid interest, first (16 days)$157.03
Fees + prepaids$8,283.90
Your down payment is the seller’s equity. You take over the $121,024 balance, so the rest of the $194,000 price is paid at closing. A second mortgage can cover part of it. $81,259.62 is due at closing. Uses and sources reconcile at $202,283.90 each. Not a Closing Disclosure.