Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$88,376Cash toward the purchase price.
Closing costs + prepaids$9,001Not just lender fees.
Before credits & paid funds$97,377The complete starting cash picture.
Estimated remaining funds due at closing
$97,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,375.65
Your down payment$88,375.65
Closing costs + prepaids$9,001.46
Total buyer cash needed$97,377.11
Remaining funds due$97,377.11
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%)$1,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$398.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Initial HOA (3 months)$1,089.00
Prepaid interest, first (30 days)$196.33
Fees + prepaids$9,001.46
Your down payment is the seller’s equity. You take over the $79,624 balance, so the rest of the $168,000 price is paid at closing. A second mortgage can cover part of it. $97,377.11 is due at closing. Uses and sources reconcile at $177,001.46 each. Not a Closing Disclosure.