Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,306Cash toward the purchase price.
Closing costs + prepaids$8,506Not just lender fees.
Before credits & paid funds$73,812The complete starting cash picture.
Estimated remaining funds due at closing
$73,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,306.13
Your down payment$65,306.13
Closing costs + prepaids$8,506.21
Total buyer cash needed$73,812.34
Remaining funds due$73,812.34
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%)$2,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$722.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Prepaid interest, first (1 days)$11.49
Fees + prepaids$8,506.21
Your down payment is the seller’s equity. You take over the $144,594 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $73,812.34 is due at closing. Uses and sources reconcile at $218,406.21 each. Not a Closing Disclosure.