Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,084Cash toward the purchase price.
Closing costs + prepaids$7,984Not just lender fees.
Before credits & paid funds$121,069The complete starting cash picture.
Estimated remaining funds due at closing
$121,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,084.50
Your down payment$113,084.50
Closing costs + prepaids$7,984.03
Total buyer cash needed$121,068.53
Remaining funds due$121,068.53
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%)$1,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$409.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$130.25
Prepaid interest, first (31 days)$276.20
Fees + prepaids$7,984.03
Your down payment is the seller’s equity. You take over the $81,916 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $121,068.53 is due at closing. Uses and sources reconcile at $202,984.03 each. Not a Closing Disclosure.