Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$115,478Cash toward the purchase price.
Closing costs + prepaids$7,865Not just lender fees.
Before credits & paid funds$123,342The complete starting cash picture.
Estimated remaining funds due at closing
$123,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,477.76
Your down payment$115,477.76
Closing costs + prepaids$7,864.54
Total buyer cash needed$123,342.30
Remaining funds due$123,342.30
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$422.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$89.25
Initial HOA (3 months)$127.50
Prepaid interest, first (1 days)$7.18
Fees + prepaids$7,864.54
Your down payment is the seller’s equity. You take over the $84,522 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $123,342.30 is due at closing. Uses and sources reconcile at $207,864.54 each. Not a Closing Disclosure.