Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$126,415Cash toward the purchase price.
Closing costs + prepaids$8,100Not just lender fees.
Before credits & paid funds$134,515The complete starting cash picture.
Estimated remaining funds due at closing
$134,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,414.84
Your down payment$126,414.84
Closing costs + prepaids$8,100.31
Total buyer cash needed$134,515.14
Remaining funds due$134,515.14
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%)$1,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$367.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Prepaid interest, first (2 days)$14.39
Fees + prepaids$8,100.31
Your down payment is the seller’s equity. You take over the $73,584 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $134,515.14 is due at closing. Uses and sources reconcile at $208,099.31 each. Not a Closing Disclosure.