Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$68,830Cash toward the purchase price.
Closing costs + prepaids$9,558Not just lender fees.
Before credits & paid funds$78,388The complete starting cash picture.
Estimated remaining funds due at closing
$78,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,830.11
Your down payment$68,830.11
Closing costs + prepaids$9,557.72
Total buyer cash needed$78,387.83
Remaining funds due$78,387.83
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%)$2,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$730.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.00
Initial HOA (3 months)$810.00
Prepaid interest, first (30 days)$416.88
Fees + prepaids$9,557.72
Your down payment is the seller’s equity. You take over the $146,169 balance, so the rest of the $214,999 price is paid at closing. A second mortgage can cover part of it. $78,387.83 is due at closing. Uses and sources reconcile at $224,556.72 each. Not a Closing Disclosure.