Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$62,671Cash toward the purchase price.
Closing costs + prepaids$9,337Not just lender fees.
Before credits & paid funds$72,008The complete starting cash picture.
Estimated remaining funds due at closing
$72,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,670.81
Your down payment$62,670.81
Closing costs + prepaids$9,337.20
Total buyer cash needed$72,008.01
Remaining funds due$72,008.01
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$681.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$182.50
Initial HOA (3 months)$1,254.00
Prepaid interest, first (1 days)$11.06
Fees + prepaids$9,337.20
Your down payment is the seller’s equity. You take over the $136,329 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $72,008.01 is due at closing. Uses and sources reconcile at $208,337.20 each. Not a Closing Disclosure.