Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$72,251Cash toward the purchase price.
Closing costs + prepaids$8,556Not just lender fees.
Before credits & paid funds$80,807The complete starting cash picture.
Estimated remaining funds due at closing
$80,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,250.75
Your down payment$72,250.75
Closing costs + prepaids$8,556.00
Total buyer cash needed$80,806.75
Remaining funds due$80,806.75
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%)$2,060.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$668.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$599.25
Prepaid interest, first (1 days)$10.00
Fees + prepaids$8,556.00
Your down payment is the seller’s equity. You take over the $133,749 balance, so the rest of the $206,000 price is paid at closing. A second mortgage can cover part of it. $80,806.75 is due at closing. Uses and sources reconcile at $214,556.00 each. Not a Closing Disclosure.