Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,181Cash toward the purchase price.
Closing costs + prepaids$8,343Not just lender fees.
Before credits & paid funds$85,524The complete starting cash picture.
Estimated remaining funds due at closing
$85,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,180.53
Your down payment$77,180.53
Closing costs + prepaids$8,342.97
Total buyer cash needed$85,523.51
Remaining funds due$85,523.51
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$539.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.00
Prepaid interest, first (31 days)$283.88
Fees + prepaids$8,342.97
Your down payment is the seller’s equity. You take over the $107,819 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $85,523.51 is due at closing. Uses and sources reconcile at $193,342.97 each. Not a Closing Disclosure.