Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$76,511Cash toward the purchase price.
Closing costs + prepaids$8,167Not just lender fees.
Before credits & paid funds$84,678The complete starting cash picture.
Estimated remaining funds due at closing
$84,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,511.09
Your down payment$76,511.09
Closing costs + prepaids$8,167.16
Total buyer cash needed$84,678.25
Remaining funds due$84,678.25
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%)$592.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$196.75
Prepaid interest, first (21 days)$209.97
Fees + prepaids$8,167.16
Your down payment is the seller’s equity. You take over the $118,489 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $84,678.25 is due at closing. Uses and sources reconcile at $203,167.16 each. Not a Closing Disclosure.