Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$85,788Cash toward the purchase price.
Closing costs + prepaids$7,815Not just lender fees.
Before credits & paid funds$93,604The complete starting cash picture.
Estimated remaining funds due at closing
$93,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,788.10
Your down payment$85,788.10
Closing costs + prepaids$7,815.40
Total buyer cash needed$93,603.50
Remaining funds due$93,603.50
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%)$1,885.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$513.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$189.75
Prepaid interest, first (1 days)$9.09
Fees + prepaids$7,815.40
Your down payment is the seller’s equity. You take over the $102,712 balance, so the rest of the $188,500 price is paid at closing. A second mortgage can cover part of it. $93,603.50 is due at closing. Uses and sources reconcile at $196,315.40 each. Not a Closing Disclosure.